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

‘We’re all in this together.’ photo

‘We’re all in this together.’

October 5, 2013 – ... there is no way around the fact that our coverage is going to be significantly more expensive once our plan renews in 2014. And yet we…

Cancer trumps ideology in reform debate photo

Cancer trumps ideology in reform debate

September 29, 2013 – She is not a political pawn in the partisan battle. She is a mother of two young children, a wife, a friend, a working and breathing part…

Obamacare and the bad-news bearers photo

Obamacare and the bad-news bearers

September 26, 2013 – In the marketplaces where people who do not have access to employer-sponsored insurance will be purchasing their own coverage, rates will…

ACA benefits far outweigh tax-time burdens photo

ACA benefits far outweigh tax-time burdens

August 23, 2013 – When we move to a system that requires insurers to send tax forms to insureds, it's unlikely to be any more complicated than the tax forms…

Re-envisioned reform: a ‘gigantic blunder’? photo

Re-envisioned reform: a ‘gigantic blunder’?

August 18, 2013 – Last week, eight prominent health policy analysts released a new health plan at the conservative think tank, American Enterprise Institute.…

A fuss over subsidies for Congressional staff photo

A fuss over subsidies for Congressional staff

August 7, 2013 – The decision to let Congressional staffers keep their federal subsidies to help buy coverage through the exchanges makes sense from a human…

30 economists: We need individual mandate photo

30 economists: We need individual mandate

July 18, 2013 – Yesterday, a small group of health policy experts organized by David Cutler, Jon Gruber, and me wrote a simple letter to Congress laying…

‘Is this thing on?’ photo

‘Is this thing on?’

July 11, 2013 – The media's coverage of the implementation of the health care reform law has been so much like the way most reporters cover political…

Projections evidence ‘rate shock is a crock’ photo

Projections evidence ‘rate shock is a crock’

May 28, 2013 – Critics of Obamacare who warned us that health reform would result in "rate shock" haven't had much to say lately thanks to surprisingly…

The ACA and mental health coverage photo

The ACA and mental health coverage

May 17, 2013 – Perhaps the most under-covered aspect of health reform is its dramatic expansion of coverage for the treatment of psychiatric and substance…

Medicare Advantage – or DISAdvantage? photo

Medicare Advantage – or DISAdvantage?

April 18, 2013 – Wendell Potter says he believes his mother is alive today because she was disenrolled from a Medicare Advantage plan that wouldn't have…

26 million eligible for help paying premiums photo

26 million eligible for help paying premiums

April 18, 2013 – We at Families USA estimate that nearly 26 million Americans will be eligible for premium tax credits to help make health coverage…