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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special enrollment period

Health insurance for the unemployed photo

Health insurance for the unemployed

September 29, 2025 – When it comes to obtaining health insurance for the self employed, consumers have several coverage options to consider, including ACA…

New federal rule brings immediate changes to Marketplace enrollment photo

New federal rule brings immediate changes to Marketplace enrollment

July 10, 2025 – A new federal rule will bring significant changes to Marketplace enrollment, with some of regulations becoming effective in August 2025.…

Six ways federal rule changes might affect Marketplace enrollees photo

Six ways federal rule changes might affect Marketplace enrollees

April 23, 2024 – Federal health insurance rule changes that take effect for coverage in 2025 (and beyond) could affect Marketplace enrollment, essential…

Subsidy availability drives consumers to shop for health insurance photo

Subsidy availability drives consumers to shop for health insurance

September 2, 2021 – Americans previously priced out of ACA coverage have been motivated by newfound eligibility for subsidies – and dramatic savings are…

The COVID SEP ended in most states. The ARP is still making premiums more affordable. photo

The COVID SEP ended in most states. The ARP is still making premiums more affordable.

August 20, 2021 – The American Rescue Plan's enhancements to the Affordable Care Act's health insurance subsidies will continue long after the end of the…

Why you should care about the August 15 special enrollment deadline photo

Why you should care about the August 15 special enrollment deadline

August 1, 2021 – Individual-market consumers hoping to take advantage of the ARP's enhanced health insurance subsidies need act before August 15 to lock in…

The Scoop: health insurance news – February 17, 2021 photo

The Scoop: health insurance news – February 17, 2021

February 17, 2021 – Headlines in this edition: COVID-related enrollment window starts in most states; CMS notifies states that Medicaid work requirements are…

The Scoop: health insurance news – February 10, 2021 photo

The Scoop: health insurance news – February 10, 2021

February 10, 2021 – In every state except Idaho, a COVID-related special enrollment period will start on February 15. (In a few states, they're already…

The Scoop: health insurance news – February 3, 2021 photo

The Scoop: health insurance news – February 3, 2021

February 3, 2021 – In this edition: A three-month special enrollment period from February 15 to May 15 will allow anyone eligible to use the marketplace to…

Biden administration announces COVID-related special enrollment period photo

Biden administration announces COVID-related special enrollment period

January 28, 2021 – President Biden has signed two executive orders related to healthcare – the first to include a COVID-related special enrollment period on…

The Scoop: health insurance news – January 6, 2021 photo

The Scoop: health insurance news – January 6, 2021

January 6, 2021 – In this edition: Democrats projected to win both Georgia Senate races, paving way for various federal health policy reforms; Maryland opens…

The Scoop: health insurance news – December 2, 2020 photo

The Scoop: health insurance news – December 2, 2020

December 2, 2020 – In this week's edition of The Scoop: open enrollment ends in 13 days in most states; Oregon's congressional delegation asks HHS to extend…