Individuals &

More than 1.5 million people in Illinois who were uninsured in 2013 are now are guaranteed access to affordable, quality health insurance coverage. Consumers now need to understand how to navigate the healthcare system and the new health insurance marketplace in order to access coverage, and make use of the healthcare protections and benefits now available.


 Q:   If I overestimate my income, will I have to pay back the cost-sharing reductions I received?

 A:   No. During tax time, marketplace consumers who received cost-sharing reductions will not determine if their reported income disqualified them for this assistance. Consumers will only reconcile their projected income with their reported income for premium tax credits. The Center on Policy and Budget Priorities has more information on cost-sharing reductions.

 Q:   What if I did not receive a form 1095-A or the information is incorrect?

 A:   Consumers who do not obtain the form 1095-A should contact their marketplace. Consumers should also contact their marketplace if the information included in the form is incorrect. This tip sheet from the Centers for Medicare and Medicaid Services and this newspaper article from the Chicago Tribune explain more on the form 1095-A.

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Calculate Your ACA Tax Penalty

The Tax Policy Center created a tool that estimates a person’s fine for not having health insurance during 2014.

Getting a Health Insurance Exemption

This March 2014 Issue brief from the Centers for Medicare and Medicaid Services identifies populations who may be exempt from purchasing health insurance. The brief lays out the exemption process- including documentation needed- for each group.

Tax-Filing Recs Post ACA

This December 2014 tip sheet from the Centers for Medicare and Medicaid Services educates marketplace plan consumers on what changes they should expect during tax-filing season. CMS advises people who had coverage through the marketplace, those who received tax credits, and people without health insurance.

Paying Taxes Without Insurance

A January 2015 issue brief from the Centers for Medicare and Medicaid Services outlines what uninsured tax payers should expect during the upcoming tax season. The brief identifies exempt populations and where to get tax help.

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