COVID-19 on Subsidized Coverage Q&A
主題-COVID-19有關保險範圍的問答
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.
如果您的失業補助收入超過了工作時的收入，則可能會影響您支付的醫療保險費用。
對於通過其中一個公司購買保險並獲得預扣稅抵免以降低保險費的家庭，這些聯邦補貼基於您選擇計劃時估計的年收入。如果該金額意外增加，那麼明年春季提交2020年申報表時，您可能會面臨稅收法案。
1 - How can I be eligible for a subsidy for my premium?
副主題1-如何獲得保費補貼？
• 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.
•在擴大了醫療補助覆蓋率的州，您的家庭收入必須低於聯邦貧窮標線的138％才有資格。
•在所有州，您的家庭收入必須在聯邦貧窮標線的100％到400％之間，才有資格獲得可以降低保險費用的高級稅收抵免。
2 - What happens if my income changes and my premium subsidy is too big? Will I have to repay it?
副主題2-如果我的收入發生變化並且我的保費補貼太大，該怎麼辦？我需要償還嗎？
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。
如果接受者最終的收入超出預期，他們可能必須償還一些補貼。這可能使人們措手不及，特別是因為稅收抵免直接支付給了保險公司，但是如果多付了，則必須由被保險人自己退還。
若您有更多關於保險的相關問題，歡迎諮詢！
If you have more questions about insurance, feel free to contact us!
電話 Phone: 626-912-1988
Email: info@epiagroup.com
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/
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