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

Reports of ACA demise: greatly exaggerated photo

Reports of ACA demise: greatly exaggerated

April 8, 2014 – For this edition of Curbside Consult, I Skyped with Dr. Jonathan Gruber, who is the Ford Professor of Economics at the Massachusetts…

Obamacare: Irreplaceable, irrepealable photo

Obamacare: Irreplaceable, irrepealable

April 7, 2014 – If you support the Affordable Care Act, know that your work is not yet done. And if you don't like it, you'll have opportunities to vote…

March ACA enrollment madness? photo

March ACA enrollment madness?

March 27, 2014 – "When you hear a final tally next month of the millions who have signed up for coverage through a public exchange, know that millions more…

Flushing away $10,000 to ‘just say No’ photo

Flushing away $10,000 to ‘just say No’

March 27, 2014 – "The vast majority of our clients are thrilled to find out they qualify for subsidies. But to some people, the premium tax credits feel…

‘I don’t need health insurance!’ photo

‘I don’t need health insurance!’

March 24, 2014 – “… And if you’re thinking “well, that would never happen to me …” consider all of the other ways that you could wake up…

Cruel irony: millions too poor for Medicaid photo

Cruel irony: millions too poor for Medicaid

March 20, 2014 – In states that have not expanded Medicaid, the people who most desperately need help paying for health insurance – those with the lowest…

Enrollment: ‘Beating the clock’ isn’t enough photo

Enrollment: ‘Beating the clock’ isn’t enough

March 17, 2014 – With just two weeks remaining before the window slams shut on the Affordable Care Act's open enrollment period, unquestionably, the best…

Shhh! The ‘secret’ that slashes health costs photo

Shhh! The ‘secret’ that slashes health costs

March 16, 2014 – Lost in a lot of the political rhetoric is a simple fact about being covered: When you have health insurance, you save money every time you…

ACA’s surprisingly successful exchanges photo

ACA’s surprisingly successful exchanges

March 12, 2014 – If North Carolina were pulling up the enrollment rear, it probably wouldn't surprise anyone. The state has a Republican Governor and…

Bringing profound change by bus, yet again photo

Bringing profound change by bus, yet again

March 2, 2014 – Most of the folks we met on the tour were unaware that nearly 6 in 10 people who don’t have health coverage and are eligible for coverage…

ACA: threat to employer-sponsored plans? photo

ACA: threat to employer-sponsored plans?

February 27, 2014 – If you are among the 60 percent of Americans who have health insurance coverage through your workplace, you may be worried about how…

A health disaster waiting to happen photo

A health disaster waiting to happen

February 5, 2014 – Obamacare has offered solid footing to millions whose 'junk policies' were a disaster waiting to happen – offering the kind of coverage…