I noticed wen I was re-enrolling that I could choose three options: 1) have all credit apply to my insurance coverage; 2) apply some and get any remainder in my tax return; and 3) take no credit/pay full amount.
I chose to have all credit applied, but my premium was less than my credit. So, should I take the second option, maybe paying a small amount each month but getting more back in my tax return? Does it even work that way? Also, I enrolled so I wonder if I can change it depending on the answer here?
ACA Credit - $1800 (approximate)
Insurance cost - $1700 (approximate)