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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If your income last year was higher than expected, do you have to pay back some of the advance premium tax credits that you received for Marketplace coverage? photo

If your income last year was higher than expected, do you have to pay back some of the advance premium tax credits that you received for Marketplace coverage?

February 16, 2026 – If you received advance premium tax credits (APTC) for health insurance you purchased last year, and your income ended up increasing, you…

Where do I find my 1095 tax form? photo

Where do I find my 1095 tax form?

January 21, 2026 – The 1095 tax forms are used by exchanges, employers, and health insurance companies to report health insurance coverage to the IRS. Learn…

Does the IRS change how much I’ll have to pay for my health insurance each year? photo

Does the IRS change how much I’ll have to pay for my health insurance each year?

July 30, 2025 – Unless Congress extends the subsidy enhancements, the percentage of income that you have to pay for self-purchased (individual/family)…

How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges? photo

How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges?

January 18, 2024 – Fortunately, the IRS issued new rules, effective in 2023, to allow some families to take advantage of premium subsidies in the exchange if…