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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pre-existing condition

High-risk pools were a last resort for a reason photo

High-risk pools were a last resort for a reason

January 13, 2017 – High-risk pools could be resurrected, and yes, they could potentially work. But they would require massive cash infusions from the federal…

Back from the Future. (A sequel we’ll all hate.) photo

Back from the Future. (A sequel we’ll all hate.)

January 6, 2017 – Obamacare is far from perfect, but as individuals and as a country, we are much better off with it than without it.…

‘Obamacare saved my life’ photo

‘Obamacare saved my life’

January 5, 2017 – While policy wonks analyze the political challenges of repealing Obamacare, millions of Americans who rely on it to help pay for lifesaving…

The sickest states are the poorest states photo

The sickest states are the poorest states

December 15, 2016 – The states most vulnerable to medical underwriting happen to be most in need of the Affordable Care Act's income-adjusted…

Paul Ryan pulls back the curtain photo

Paul Ryan pulls back the curtain

May 9, 2016 – Ryan’s outlandish proposal is wrong on the facts and ignores recent history. But it does give us a peek at what a Republican replacement…

Life with diabetes is sweeter thanks to Obamacare photo

Life with diabetes is sweeter thanks to Obamacare

January 20, 2016 – By every measure, people with diabetes – and those at risk – have significantly improved access to quality care than they did before…

A dream come true (and a nightmare ended) photo

A dream come true (and a nightmare ended)

November 11, 2015 – Shirley Cayko dreamed of opening her own mental health practice, but held off because she was quoted health insurance premiums of $5,000 a…

Pre-existing conditions? ‘No such thing’ photo

Pre-existing conditions? ‘No such thing’

October 23, 2015 – Patrick Carr went an awfully long time without health insurance. For someone living with two chronic health conditions — asthma and high…

WalkerCare gives women reasons to worry again photo

WalkerCare gives women reasons to worry again

August 23, 2015 – The “open market” Walker would establish would be the kind of health insurance market that existed before Obamacare. There would be no…

Why pre-existing conditions mattered … to millions photo

Why pre-existing conditions mattered … to millions

August 19, 2015 – If GOP lawmakers were able to repeal Obamacare, their constituents ... the people who voted them into office ... would be among the biggest…

GOP’s plan for the future would take us backward photo

GOP’s plan for the future would take us backward

February 9, 2015 – What are these so-called "new" ideas? They are actually old ideas ... ones we have been hearing about for over a decade. They didn't work…

The ‘good old days’ before Obamacare photo

The ‘good old days’ before Obamacare

October 25, 2014 – We Americans have short-term memory when it comes to health care. Either that or far too many of us have bought – hook, line and sinker…