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

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…

‘There will be some bugs …’ photo

‘There will be some bugs …’

November 26, 2013 – 'There will be some bugs. People will emerge with some bug bites on them, but you know the health system before ACA was one in which 50…

Getting the scoop on Obamacare photo

Getting the scoop on Obamacare

November 22, 2013 – In Part 3, Joanne Kenen and Harold Pollack talk about how media’s been covering the rollout of Obamacare – and what reporters are…

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…

The state of the state marketplaces photo

The state of the state marketplaces

October 9, 2013 – The high initial traffic numbers are indicative of a program that will be successful overall. Given the propensity to procrastinate when…