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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subsidies

Marketplace enrollees face return of the ‘subsidy cliff’ in 2026 photo

Marketplace enrollees face return of the ‘subsidy cliff’ in 2026

February 11, 2026 – Congress did not extend enhanced Marketplace subsidies at the end of 2025. Now, hundreds of thousands of Marketplace enrollees are…

Four reasons to not wait until January to enroll in an ACA health plan photo

Four reasons to not wait until January to enroll in an ACA health plan

January 16, 2025 – Obamacare's 2023 open enrollment runs until January 15 in most states. Here's why you might want to enroll by December 15…

What will happen if ARP’s insurance subsidies expire? photo

What will happen if ARP’s insurance subsidies expire?

March 29, 2022 – The American Rescue Plan made ACA health plans more affordable through enhanced subsidies. Here's what happens if that subsidy structure…

ACA sign-ups hit all-time high – with a month of open enrollment remaining photo

ACA sign-ups hit all-time high – with a month of open enrollment remaining

December 28, 2021 – Americans in need of health insurance have responded to a major increase in marketplace subsidies created by the American Rescue…

Congress boosted ACA subsidies. An enrollment surge followed. photo

Congress boosted ACA subsidies. An enrollment surge followed.

September 28, 2021 – The ARP's enhanced health insurance subsidies prompted a major surge in new marketplace enrollments and plan upgrades during this year's…

Enrolling like their lives depend on it photo

Enrolling like their lives depend on it

February 7, 2018 – More Americans are appreciating the Affordable Care Act more than ever – and they're showing it by continuing to enroll in ACA-compliant…

The poor get poorer under GOP’s tax credit scheme photo

The poor get poorer under GOP’s tax credit scheme

March 10, 2017 – The AHCA would result in higher premiums for older people, smaller tax credits for poorer and older people, reduced access to Medicaid for…

3 GOP repeal comments that are eyeroll-worthy photo

3 GOP repeal comments that are eyeroll-worthy

January 22, 2017 – 'Ryan’s playing us all for fools in an effort to drum up support for his own version of healthcare reform.' – Louise…

A post-ACA subsidy that already exists photo

A post-ACA subsidy that already exists

December 23, 2016 – Is deductibility of health premiums a promising 'repeal' component? See how it works for over 4 million who already take the…

A (Tom) Price cut for subsidized health coverage photo

A (Tom) Price cut for subsidized health coverage

December 14, 2016 – As a standalone replacement for the ACA, Tom Price's plan would render coverage unaffordable for the vast majority of the 20-plus million…

Escaping the crush of premium increases photo

Escaping the crush of premium increases

October 14, 2016 – If health insurance rate hikes make you feel stuck between a rock and a hard place, take heart. These strategies may offer a way…

Southerners – and women – enjoy bigger subsidies photo

Southerners – and women – enjoy bigger subsidies

September 23, 2016 – ACA's subsidies are working just as they were intended to: Subsidies are higher where incomes are lower, and after-subsidy premiums are…