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

Applying for ACA coverage? Know the ropes (between income levels). photo

Applying for ACA coverage? Know the ropes (between income levels).

November 28, 2022 – Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining…

Open enrollment for 2023 ACA coverage: what to expect photo

Open enrollment for 2023 ACA coverage: what to expect

November 1, 2022 – Record-high enrollment in ACA-compliant plans is likely to continue this year. Here's…

How will the Inflation Reduction Act help marketplace enrollees? photo

How will the Inflation Reduction Act help marketplace enrollees?

August 5, 2022 – The Inflation Reduction Act would extend ARP's health insurance subsidy enhancements – helping millions eligible for ACA marketplace…

How I sought to stop worrying and love a Bronze plan photo

How I sought to stop worrying and love a Bronze plan

May 16, 2022 – For older enrollees with average-to-high income and some savings, low premium plans with high deductibles usually make…

Medicaid eligibility redeterminations will resume in 2023. Here’s what enrollees need to know. photo

Medicaid eligibility redeterminations will resume in 2023. Here’s what enrollees need to know.

April 26, 2022 – When the public health emergency ends, states will begin disenrolling millions from their Medicaid rolls. If you have Medicaid, here's why…

Silver, Bronze, or Gold? Choosing a metal level in the marketplace photo

Silver, Bronze, or Gold? Choosing a metal level in the marketplace

April 25, 2022 – In the ACA marketplace, it’s important to recognize that while Bronze, Gold and Platinum health plans have the same value no matter who…

The case for switching from Bronze to Silver photo

The case for switching from Bronze to Silver

March 31, 2022 – The American Rescue Plan's subsidies made about 4.6 million Americans eligible for a free benchmark Silver health plan. Here's why it would…

What will happen if ARP’s insurance subsidies expire? photo

What will happen if ARP’s insurance subsidies expire?

March 29, 2022 – The American Rescue Plan made ACA health plans more affordable through enhanced subsidies. Here's what happens if that subsidy structure…

ACA sign-ups hit all-time high – with a month of open enrollment remaining photo

ACA sign-ups hit all-time high – with a month of open enrollment remaining

December 28, 2021 – Americans in need of health insurance have responded to a major increase in marketplace subsidies created by the American Rescue…

How the Build Back Better legislation might affect your coverage photo

How the Build Back Better legislation might affect your coverage

December 22, 2021 – The Build Back Better Act is loaded with long-needed fixes to the Affordable Care Act that would continue to boost affordability of…

Why your ACA premium might be going up for 2022 photo

Why your ACA premium might be going up for 2022

December 15, 2021 – Health insurance rate increases nationally are mostly modest. Here’s why you might expect a steep increase anyway – and how you might…

Think you’re not eligible for ACA subsidies? Think again. photo

Think you’re not eligible for ACA subsidies? Think again.

October 8, 2021 – For four huge groups of Americans, 2022 open enrollment will offer unprecedented access to health insurance premium tax…