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

Just how bad are junk health policies? photo

Just how bad are junk health policies?

January 10, 2014 – In the pre-2014 individual health insurance market, the plan options ran the gamut from great to horrible. How could such worthless…

Obamacare’s ‘victims’ photo

Obamacare’s ‘victims’

January 2, 2014 – When ‘victims’ step forward, reporters need to investigate these claims. If newspaper editors and television producers are willing to…

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…

Is Obamacare a ‘bonanza’ for carriers? photo

Is Obamacare a ‘bonanza’ for carriers?

October 21, 2013 – “Wall Street is beginning to figure out that under Obamacare, for-profit insurers are not going to make out like bandits. Investors who…

Seeing red over ACA obstruction photo

Seeing red over ACA obstruction

October 19, 2013 – One of the great ironies of the implementation of the ACA is that the states where the law is most needed also tend to be the states…

The elephant in the room photo

The elephant in the room

October 17, 2013 – "People like (Marsha) Blackburn are far more interested in making sure that the powerful special interests – the ones who have easy…

The state of the state marketplaces photo

The state of the state marketplaces

October 9, 2013 – The high initial traffic numbers are indicative of a program that will be successful overall. Given the propensity to procrastinate when…

‘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…

Obamacare and the bad-news bearers photo

Obamacare and the bad-news bearers

September 26, 2013 – In the marketplaces where people who do not have access to employer-sponsored insurance will be purchasing their own coverage, rates will…

‘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…