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I have had several people come to me looking for ANYTHING to cover them but Obamacare for 2015 due to the shock of a sudden subsidy repay bill they just discovered - mainly self employed people - a 2015 "tax fine" would be far lower than the thousands they now owe the IRS
Hopefully these folks purchased a 2015 policy on the marketplace without accepting any APTC. They can claim it in 2016 when doing their 2015 tax return, if they come in under 400% of the FPL.