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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health insurance marketplace

Santa, help keep the ‘affordable’ in ACA photo

Santa, help keep the ‘affordable’ in ACA

December 20, 2014 – If the Supreme Court rules in favor of the plaintiffs it could mean that people buying insurance in 34 states – that's 4 1/2 million…

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…

HealthCare.gov puts focus on the bottom line photo

HealthCare.gov puts focus on the bottom line

November 14, 2014 – The streamlining works. Entering as a single person, I was able to get to price quotes in under 30 seconds. That's very good news. A…

‘Health insurance’ that is too good to be true photo

‘Health insurance’ that is too good to be true

May 8, 2014 – "Among the plans available outside of open enrollment, there are less expensive options – that provide very little in the way of coverage…

Exchanges: too big to succeed? photo

Exchanges: too big to succeed?

April 13, 2014 – This is the time for brainstorming, but how much are we willing to change? Could we revamp the whole process if it meant a more…

March ACA enrollment madness? photo

March ACA enrollment madness?

March 27, 2014 – "When you hear a final tally next month of the millions who have signed up for coverage through a public exchange, know that millions more…

Flushing away $10,000 to ‘just say No’ photo

Flushing away $10,000 to ‘just say No’

March 27, 2014 – "The vast majority of our clients are thrilled to find out they qualify for subsidies. But to some people, the premium tax credits feel…

‘I don’t need health insurance!’ photo

‘I don’t need health insurance!’

March 24, 2014 – “… And if you’re thinking “well, that would never happen to me …” consider all of the other ways that you could wake up…

Cruel irony: millions too poor for Medicaid photo

Cruel irony: millions too poor for Medicaid

March 20, 2014 – In states that have not expanded Medicaid, the people who most desperately need help paying for health insurance – those with the lowest…

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…

A health disaster waiting to happen photo

A health disaster waiting to happen

February 5, 2014 – Obamacare has offered solid footing to millions whose 'junk policies' were a disaster waiting to happen – offering the kind of coverage…

Looking for the down side? photo

Looking for the down side?

January 19, 2014 – Despite the Journal’s headline, important progress is being made. Millions of people who previously were uninsured because they…