Okay Ani,

Marketplace Obamacare health insurance plans show I'm eligible for $400 premium credit a month based on my income and household size. Great, what if I DON'T file my 2022 taxes, will I owe the IRS the credit I received? What if I cancel my insurance policy, will I be able to pick up another policy.

Maria

Hi Maria,

Thank you for writing. Yes, I'm guessing you will. Let's say you were granted this credit based on your 2022 income and now the IRS doesn't know if you fell into the eligible range. You will want to be as accurate as possible when putting in your income and definitely update as needed throughout the year so the numbers can be reconciled. If you cancel your policy outside of open enrollment, you will need to have a Qualifying Life Event such as marriage, divorce, pregnancy, adoption, etc in order to pick up a new Marketplace policy. Open enrollment is only from November 1st to January 15th, it's not a large window. You can buy a policy outside of the Marketplace at any time of the year, but you will NOT be able to apply the premium credit towards that new plan. If you have any other questions, I'm here.

Be Well,

Ani

Best Most Delicious Most Mac n Cheese

2 tablespoons butter

1⁄4 cup finely chopped onion

2 tablespoons flour

2 cups milk

1⁄4 teaspoon salt

1 dash pepper + whatever seasonings you like

1⁄2 teaspoon smoked paprika

1⁄2 teaspoon mustard powder

 ¾ cup smoked cheddar cheese, shredded

¾ cup gruyere cheese, shredded

1 cup aged sharp cheddar cheese

1 (8 oz) package processed American Cheese, cut into strips

1 (8-12 oz) package of macaroni

1⁄4 cup grated parmesan cheese

1⁄4 cup panko or breadcrumbs

Put on pot of lightly salted and olive oiled water, wait for it to boil.

Shred cheeses.

Preheat oven to 350 degrees F (175 degrees C)

Melt butter in medium saucepan over medium heat.

Sautee onion for 2 minutes. 

Stir in flour and cook 1 minute, stirring constantly. 

Stir in salt, mustard, pepper and seasonings.

Stir in milk, cook, stirring frequently, until mixture boils and thickens.

To milk mixture add the Cheddars, Gruyere & American cheeses; stir until cheese melts.

Put macaroni in boiling water and cook 8-10 minutes or until al dente; drain.

Combine drained macaroni and cheese sauce in a 2 quart baking dish; mix well.

Sprinkle with parmesan cheese and panko, add a lil more seasoning or cheddar cheese if you like.

Bake in preheated oven for 30 minutes, or until hot and bubbly. Let cool 10 minutes before serving.

Thank the Most High and Enjoy your meal!