COVID-19 on Subsidized Coverage Q&A
If you’re collecting more on unemployment than what you earned while working, it could affect how much you pay for health insurance.
For households that bought coverage through one of the health exchanges and get advance tax credits to reduce their premiums, those federal subsidies are based on the annual income you estimated when you chose your plan. And if that amount gets pushed higher unexpectedly, you could face a tax bill next spring when you file your 2020 return.
1 - How can I be eligible for a subsidy for my premium?
• In states that have expanded Medicaid coverage, your household income must be below 138% of the federal poverty level to qualify.
• In all states, your household income must be between 100% and 400% of the federal poverty level to qualify for a premium tax credit that can lower your insurance costs.
2 - What happens if my income changes and my premium subsidy is too big? Will I have to repay it?
Monthly premium subsidy amounts (ie, the advance premium tax credit – APTC – that’s paid to your insurer each month to offset the cost of your premium) are estimated based on prior-year income and projections for the year ahead, but the actual premium tax credit amount to which you’re entitled depends on your actual income in the year that you’re getting subsidized health insurance coverage.
If recipients end up earning more than anticipated, they could have to pay back some of the subsidies. This can catch people off guard, especially since the tax credits are paid directly to the insurance carriers, but if overpaid, they must be returned by the insureds themselves.
每月保費補貼金額（即預繳保費稅收抵免 APTC 每月支付給您的保險公司以抵消您的保費成本）是根據前一年的收入和對下一年的預測估算的，但是實際的保費稅是您有權獲得的抵免額取決於您獲得補貼的醫療保險年度的實際收入。
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文章來源 (Source): https://www.healthinsurance.org/faqs/what-happens-if-my-income-changes-and-my-premium-subsidy-is-too-big-will-i-have-to-repay-it/