Health Insurance

The rules have changed for 2019 and after tax returns. There no longer is a penalty if you don't have qualified health care insurance. You can now get just catastrophic health care insurance at a fraction of the cost of Obamacare. Many taxpayers also seem to get caught on the Obamacare subsidy if they estimate their  income too low for the next year which results in having to give some or all of the subsidy back.