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 to expect when you’re expecting health insurance premium subsidies photo

What to expect when you’re expecting health insurance premium subsidies

April 26, 2021 – When and how you receive the premium subsidies made possible by the American Rescue Plan depends on where you live and other factors,…

American Rescue Plan drives health insurance costs down for ‘young invincibles’ photo

American Rescue Plan drives health insurance costs down for ‘young invincibles’

March 25, 2021 – 'Young invincibles' are among the millions of Americans who will be able to find lower individual-market health insurance premiums and more…

Five ways the American Rescue Plan might slash your health insurance costs photo

Five ways the American Rescue Plan might slash your health insurance costs

March 18, 2021 – Thanks to the American Rescue Plan – signed last week by President Biden – premium subsidies are larger and available to more people in…

American Rescue Plan delivers $0 Silver premiums to unemployed photo

American Rescue Plan delivers $0 Silver premiums to unemployed

March 11, 2021 – EDIT, November 22, 2021: The Build Back Better Act would temporarily extend the extra financial assistance for people receiving…

How the COVID relief law will rescue Marketplace plan buyers photo

How the COVID relief law will rescue Marketplace plan buyers

March 10, 2021 – The American Rescue Plan Act includes a one-time provision that will rescue marketplace plan buyers from repayment of thousands of dollars…

How the American Rescue Plan Act will boost Marketplace premium subsidies photo

How the American Rescue Plan Act will boost Marketplace premium subsidies

March 5, 2021 – There are several provisions in H.R. 1319  that are designed to make health coverage more accessible and affordable. Today we’re taking…

The Scoop: health insurance news – February 24, 2021 photo

The Scoop: health insurance news – February 24, 2021

February 24, 2021 – In this edition Idaho is final state to open COVID-related enrollment window Bills under consideration in California, Maryland would…

The Scoop: health insurance news – February 17, 2021 photo

The Scoop: health insurance news – February 17, 2021

February 17, 2021 – Headlines in this edition: COVID-related enrollment window starts in most states; CMS notifies states that Medicaid work requirements are…

The Scoop: health insurance news – February 10, 2021 photo

The Scoop: health insurance news – February 10, 2021

February 10, 2021 – In every state except Idaho, a COVID-related special enrollment period will start on February 15. (In a few states, they're already…

The Scoop: health insurance news – February 3, 2021 photo

The Scoop: health insurance news – February 3, 2021

February 3, 2021 – In this edition: A three-month special enrollment period from February 15 to May 15 will allow anyone eligible to use the marketplace to…

Biden administration announces COVID-related special enrollment period photo

Biden administration announces COVID-related special enrollment period

January 28, 2021 – President Biden has signed two executive orders related to healthcare – the first to include a COVID-related special enrollment period on…

The Scoop: health insurance news – January 27, 2021 photo

The Scoop: health insurance news – January 27, 2021

January 27, 2021 – In this edition: open enrollment ends Sunday in California, New York, New Jersey, and Washington, DC; Maryland, Massachusetts, New York…