A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Do I have to repay excess premium tax credits?
If you received advance premium tax credits (APTC) for health insurance you purchased last year, and your income ended up increasing, you might have to pay back some of your APTC. Learn how to determine whether you will have to repay excess APTC when you file taxes.

Expert analysis of health reform issues

Can we ‘do the right thing’ profitably? photo

Can we ‘do the right thing’ profitably?

June 3, 2014 – David Cutler was the author of a prescient and scathing 2010 analysis warning of the need for stronger management of information technology…

Dem ad slays Obamacare-hating Republican photo

Dem ad slays Obamacare-hating Republican

May 25, 2014 – Of the nearly half a billion dollars that has been spent on political ads mentioning the Affordable Care Act since 2010, just a little more…

Obamacare: Just what the doctor ordered? photo

Obamacare: Just what the doctor ordered?

May 13, 2014 – In Part 2 of my conversation with Sabrina Corlette, we talk about whether the Affordable Care Act is improving the health care system. Will…

‘Bros’ on board – and other promising signs photo

‘Bros’ on board – and other promising signs

May 11, 2014 – With 8 million Americans enrolled in Obamacare's exchanges – 28 percent of them young adults – the collapse of the Affordable Care Act…

‘Health insurance’ that is too good to be true photo

‘Health insurance’ that is too good to be true

May 8, 2014 – "Among the plans available outside of open enrollment, there are less expensive options – that provide very little in the way of coverage…

Introducing a new ‘metal’ tier: Fool’s Gold? photo

Introducing a new ‘metal’ tier: Fool’s Gold?

May 6, 2014 – Does the health insurance industry really think that Americans are desperate for a return to policies with sky-high deductibles and scanty…

Could Obamacare save 24,000 lives a year? photo

Could Obamacare save 24,000 lives a year?

May 5, 2014 – This back-of-the-envelope calculation implies that ACA will prevent something like 24,000 deaths every year. That’s almost the number of…

Pre-Occupied with Medicaid expansion photo

Pre-Occupied with Medicaid expansion

April 23, 2014 – Moral Mondays focuses on concrete, politically actionable grievances. Punitive voter ID laws and states’ refusal to embrace the Medicaid…

The dental crisis that’s driving patients away photo

The dental crisis that’s driving patients away

April 15, 2014 – When increasing numbers of Americans cross the Mexican border to see a dentist ... you know we've got a growing health care crisis on our…

Exchanges: too big to succeed? photo

Exchanges: too big to succeed?

April 13, 2014 – This is the time for brainstorming, but how much are we willing to change? Could we revamp the whole process if it meant a more…

Will there be an ‘exodus’ to the exchanges? photo

Will there be an ‘exodus’ to the exchanges?

April 10, 2014 – Harold: Now, would you be happy or sad if there was this exodus to the exchanges? Jon: I think I’d probably be, depends if the exchanges…

Can Obamacare work even better? photo

Can Obamacare work even better?

April 9, 2014 – I think the average American voter is actually a charitable person, a big-hearted person. I don't think it's that the voters in Florida…