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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cost-sharing subsidies

7 reasons for ending off-exchange enrollment photo

7 reasons for ending off-exchange enrollment

September 15, 2016 – If every ACA-compliant plan was only available via the exchanges, millions more could have access to ACA's tax…

About that health insurance you’ve been subsidizing photo

About that health insurance you’ve been subsidizing

June 23, 2016 – As tax payers, we've been subsidizing health insurance benefits for high-net-worth Americans for decades. In fact, since 1954,…

States may sweeten the ACA pot photo

States may sweeten the ACA pot

January 8, 2016 – The 'public option' died in the health reform battle, but two state-run plans point a potential path toward richer coverage at lower…

Your employer is dropping health coverage. Yay? photo

Your employer is dropping health coverage. Yay?

December 19, 2014 – If your employer drops your company-sponsored health insurance and sends you to the exchanges for coverage, everybody could…

The Affordable Care Act’s ‘stealth subsidy’ photo

The Affordable Care Act’s ‘stealth subsidy’

December 3, 2014 – The Chicago Tribune devoted a whole feature to the plight of low-income buyers of high-deductible Bronze plans in Illinois without once…

Millions qualify for ‘free health insurance’ photo

Millions qualify for ‘free health insurance’

November 5, 2013 – If you're uninsured – or buy your insurance in the individual market – and live in one of seven states, chances are greater than 1 in 3…

‘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…