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

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.…

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…

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…

Title of Congressional hearing said it all:

March 19, 2013 – I was stunned when Rep. Renee Ellmers (R-N.C.), accused me of being disingenuous because I told the story of a Florida woman who might be…

Can we spend less AND improve quality? photo

Can we spend less AND improve quality?

March 11, 2013 – Harold Pollack continues his series of interviews with health policy experts, talking this month with Michael Chernew, Professor of Health…

The ‘wild ride’ ahead for Obamacare photo

The ‘wild ride’ ahead for Obamacare

February 15, 2013 – Harold Pollack talks with Jonathan Cohn, Senior Editor of The New Republic about the "wild ride" ahead for the Affordable Care Act, now…

Consumer protections in industry crosshairs photo

Consumer protections in industry crosshairs

January 25, 2013 – If you're a 20- or 30-something and have health coverage, you're being targeted by insurance industry campaign to eliminate two important…

How I became a health policy wonk, my favorite policy charts, and what’s ahead for health reform photo

How I became a health policy wonk, my favorite policy charts, and what’s ahead for health reform

January 11, 2013 – Harold Pollack talks with blogger Aaron Carroll about how he became a policy wonk, about his favorite health policy charts and the road…