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@aleon1220 Because if you're low enough income to qualify, you really have no idea how much money you're going to make next year. Odds are you won't be at the same job.

@action Yes, lets say health insurance is $500 a month. based on last years tax return, the government gives you $250 credit. so you only pay $250 out of pocket. Then when you file taxes depending on if you made more this year or not, your credit for next year is readjusted. So you owe part...