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.

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Affordable Care Act

Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility photo

Proposed rule would bring sweeping changes to Marketplace enrollment, eligibility

March 13, 2025 – A proposed federal rule issued this week would, if finalized, bring wide-ranging changes for the Affordable Care Act’s health insurance…

Who needs the ACA marketplace? About 45 million Americans since its 2014 launch. photo

Who needs the ACA marketplace? About 45 million Americans since its 2014 launch.

October 7, 2020 – As many as 50 million Americans have enrolled in ACA plans since 2014. The debate about protections for those with pre-existing conditions…

The Senate’s Obamacare repeal bill: a cheat sheet photo

The Senate’s Obamacare repeal bill: a cheat sheet

May 26, 2017 – The Senate is working on its own version of repeal-and-replace legislation. Here's what happens next ... and how you can…

Affordable Care Act supporters gird for battle photo

Affordable Care Act supporters gird for battle

February 20, 2017 – We're at one of those moments right now for millions of American families. It's a moment to tell the truth to the American public. Get past…

Obamacare: A Stepping Stone? photo

Obamacare: A Stepping Stone?

November 9, 2015 – The following guest post is from Simon F. Haeder, the winner of healthinsurance.org's 2014 Health Wonk Scholarship. Haeder is a Ph.D.…

Justices Kennedy, Roberts are ‘votes in play’ photo

Justices Kennedy, Roberts are ‘votes in play’

March 4, 2015 – This morning, the Supreme Court heard oral arguments in King v. Burwell, the lawsuit that claims that the Affordable Care Act only allows…

Could Obamacare save 24,000 lives a year? photo

Could Obamacare save 24,000 lives a year?

May 5, 2014 – This back-of-the-envelope calculation implies that ACA will prevent something like 24,000 deaths every year. That’s almost the number of…

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…

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…

‘Bailout?’ ‘Unprecedented?’ Honestly? photo

‘Bailout?’ ‘Unprecedented?’ Honestly?

January 29, 2014 – "What [ACA critics] don't tell you is that while $25 billion is a lot of money, it is pocket change compared to the enormous amount of…

Anatomy of an Obamacare ‘horror story’ photo

Anatomy of an Obamacare ‘horror story’

January 3, 2014 – "A lack of fact checkers does not explain why the newspaper ignored the news that one of its 'victims' had found good coverage. No editor's…

2014: A very good year for health coverage photo

2014: A very good year for health coverage

December 31, 2013 – Many of the newly insured are among the millions who have been unable to afford coverage in the past or have not been able to buy it at any…