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My Form 1095-A says I received a tax credit during a month when I didn’t pay my monthly premium. Why does this say I received a tax credit for a month that I did not pay for?

If you received a tax credit, the law requires your insurance company to keep you covered in your health plan for a certain period of time even if you aren’t paying premiums. This is called a grace period. If you don’t start paying your premiums again before the end of the grace period (after 90 days), your coverage is canceled retroactively. Even if your coverage is canceled, your insurance company counts you as covered during the first month you stopped paying. If your coverage is terminated because you did not pay your monthly bills, the IRS may hold you responsible for the tax credit you received during the first month you stopped paying. You may have to pay those tax credits back when you file your taxes.

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