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With Under 65 Health Insurance

The Affordable Care Act has proven to be the best option for most clients to obtain health insurance coverage today. With the Federal government providing Premium Tax Credits insurance most Americans can afford good health insurance.

How Premium Tax Credits Work

The Federal Facilitated Marketplace (HealthCare.Gov ) awards tax credits based on several factors. 1) The average cost of insurance in your zip code and your county. 2) The number of people living in your household. 3) Your household income. In addition, if married you must file a joint tax return.

Do I need to repay these Tax Credits?

Simple answer NO you do not! However, you must report your projected income correctly. In other words, if you report income of $24,000 and you then file your tax return and show you actually earned $48,000 then they will seek the return of the excess in premium tax credits