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

What isn’t catastrophic for Obamacare photo

What isn’t catastrophic for Obamacare

December 23, 2013 – "I'm not surprised by the hyperbole. Ever since the story of cancelled policies broke, media coverage of the problem has verged on…

‘Pajama Boy’: Id of the anti-ACA machine photo

‘Pajama Boy’: Id of the anti-ACA machine

December 23, 2013 – Critics can joke all they want about 'Pajama Boy,' but the campaign's message is no joke: We owe it to our kids to have this conversation…

5 questions for real Obamacare reporters photo

5 questions for real Obamacare reporters

December 6, 2013 – Insurance industry insider Wendell Potter says that reporters who take the time to ask five simple questions can avoid being duped when…

An end to unaffordable out-of-pocket costs photo

An end to unaffordable out-of-pocket costs

December 2, 2013 – Armed with incomplete evidence, ACA's critics are claiming health reform will push out-of-pocket costs for insurance higher in the…

ACA’s winners far outnumber its losers photo

ACA’s winners far outnumber its losers

November 20, 2013 – "OK, people with cancelled insurance policies have a grievance. So does the much larger group of uninsured people with serious diagnosed…

Millions qualify for ‘free health insurance’ photo

Millions qualify for ‘free health insurance’

November 5, 2013 – If you're uninsured – or buy your insurance in the individual market – and live in one of seven states, chances are greater than 1 in 3…

Red state pain won’t be limited to poor photo

Red state pain won’t be limited to poor

October 30, 2013 – Not only will the states end up paying billions of dollars in uncompensated care for residents who remain uninsured, but private health…

Is Obamacare a ‘bonanza’ for carriers? photo

Is Obamacare a ‘bonanza’ for carriers?

October 21, 2013 – “Wall Street is beginning to figure out that under Obamacare, for-profit insurers are not going to make out like bandits. Investors who…

Seeing red over ACA obstruction photo

Seeing red over ACA obstruction

October 19, 2013 – One of the great ironies of the implementation of the ACA is that the states where the law is most needed also tend to be the states…

The elephant in the room photo

The elephant in the room

October 17, 2013 – "People like (Marsha) Blackburn are far more interested in making sure that the powerful special interests – the ones who have easy…

Finally: an escape from lifetime maximums photo

Finally: an escape from lifetime maximums

October 16, 2013 – Nathan Wilkes is a Colorado father who came face-to-face with the realities of lifetime maximum benefits on health insurance policies…

The promise of health insurance exchanges photo

The promise of health insurance exchanges

October 11, 2013 – “Even before ACA’s enactment, I felt that health insurance exchanges have the potential – this may be just a dream – to realize…