As the nation’s insurance market enters a second year of uncertainty, the stakes for consumers are higher than ever.

That means the stakes are even higher for those with existing coverage.

Here are the top five things to know to help you make the most of your options and make sure you get the coverage you need.


You must have existing coverage to qualify.

If you don’t have coverage, you’ll have to go back to the marketplace.

That can be as simple as buying a policy online or signing up for a state-run plan.

You’ll still need to have coverage for up to six months, depending on your coverage status.

The government doesn’t guarantee coverage for preexisting conditions, but insurers typically cover them.

So if you’re currently enrolled in coverage through your employer or government program, you must be eligible for coverage through the federal marketplace to qualify for the subsidies offered by the federal government.

If your plan has a state premium tax credit (or, in some cases, a state income tax credit), that too will apply to your subsidies.


You won’t get a tax credit until after your subsidy ends.

To qualify for a tax break, your policy must meet certain requirements.

For example, it must: Be at least $2,500 a year; and Be self-funded, meaning the money goes directly to the insurer and not the government.

The federal government and states typically waive some of those requirements.

But the marketplace will still require that your plan include a tax deduction, which you’ll need to file annually to qualify with the federal exchange.

This means that if you have no income, or no coverage, and don’t pay into the plan, you may be able to take advantage of the tax break.


You can’t get subsidies if you get sick.

You don’t get tax credits if you don�t have coverage.

If a doctor or other healthcare professional treats you for a preexistent condition and sends you a check, it won�t count as income for federal tax purposes.

The same goes for a hospital bill.

But if your plan does include a state health care tax credit, the money won�re not subject to federal tax.

So you can’t take advantage if you’ve been diagnosed with a pree, but don�ts get health insurance coverage through an employer or through a government program.

If that’s the case, you will still have to pay for out-of-pocket costs.

The exchange doesn�t calculate the tax credit amount.

You will still pay income tax if you use that credit.


The subsidies are only for the first year.

You are only eligible for the subsidy if you are enrolled in a state exchange plan.

After that, you can get an individual or group premium tax break of up to $2.50 per $1,000 of income for the 2018 tax year.

That is, if you pay into your plan through an income-tax deduction, you won�ve to pay income taxes on that money up to the amount you receive in premiums.

You�ll still have your regular premium tax credits, but they won�ll be phased out.

The tax credit is phased out for everyone with a household income over $250,000 for 2018.


You get a refund if you file your taxes before your subsidies are due.

The refund won�d only be for 2018, but the government has told people they can file their taxes before their subsidy is due.

If they file their tax returns after they�re due, they�ll get a full refund of their premium tax refund.

If not, they’ll get a $200 credit per dollar of income they paid in premiums through an individual income tax return.

But don�s know if you�ll have to file a joint return to get that credit if you just file a single return.

The IRS says it doesn�s looking into the matter, and that it would not be appropriate to comment on individual cases.


You cannot buy policies on the marketplace without qualifying.

You still can’t buy a policy on the exchange without qualifying, but you can buy it with your current employer coverage, as long as you have a health plan.

That doesn�ve changed.

Employers who don�.t have an exchange plan can still hire people with insurance through their employees union, and some states have expanded the coverage to include employees of large employers.

But that hasn�t happened in the current year.

If the federal and state exchanges are the same, you�re out of luck.


You pay a premium tax penalty.

If, before the subsidy was due, you had a plan that was at least as expensive as what you�ve now paying, the IRS would have sent a notice to you and your employer telling you what the premium tax rate was going to be for the next year.

This is the penalty for having more than one plan in your plan pool. It doesn�’t matter how many plans you have, or if you