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Chapter 8 · May
Dana gets a job. Health benefits begin after a 60-day waiting period. Her Marketplace plan is still running, with tax credits based on a low income estimate.
What should she do about the Marketplace plan?
Correct!
Not quite.
Cancelling now would leave two months with no coverage. Changing nothing has a quieter cost: her tax credits were calculated on an income she no longer has, and the excess is repaid at tax time. Dana logs in, updates her income, sees her premium rise for two months, and ends the plan on the day before the employer coverage begins. No gap, and no surprise in April.