Dennis Copland Health Insurance

Are you shopping for long-term care insurance for yourself or a loved one? Be sure to look beyond the basics! These lesser-known features could make a big difference:
✔️ Shared benefits for couples
✔️ Premium waiver for surviving spouses
✔️ Coverage for new care options like memory care or adult day care
✔️ Shorter pay periods with no premiums in retirement
We can help you compare your options. Call us for a personalized review!

We wish you a happy Easter!

As spring continues to bloom, it’s a great time to enjoy the fresh start and rejuvenation of the Easter holiday.

Whether you're celebrating with an egg hunt, a family meal, or just a little extra chocolate, we hope the weekend brings plenty of smiles and sunshine. 🐰🌷

📢 Had an ACA Marketplace plan this year? Here’s what to know before filing your taxes.

If you purchased health insurance through the Affordable Care Act (ACA) Marketplace, tax season includes a few extra steps — even if you didn’t receive financial help.

Here’s what to remember:

📄 Look for Form 1095-A
If you had Marketplace coverage at any point during the year, you should receive Form 1095-A. This form shows:
• Months you had coverage
• Monthly premium amounts
• Any advance premium tax credits (if applicable)

You’ll need this form to complete your federal return accurately. Don’t file without it.

🔁 If You Received Financial Help, You Must Reconcile It
If you received advance premium tax credits (APTC), you’re required to reconcile them using Form 8962 (filed with Form 1040). Most tax software will guide you through this.

This compares:
• The income you estimated
• Your actual income for the year

If you earned less, you may qualify for additional credit.
If you earned more, you may need to repay some.

💍 Filing Status Matters
Married couples generally must file Married Filing Jointly to qualify for premium tax credits.

📈 Income & Life Changes Count
Raises, job changes, marriage, divorce, or adding a dependent can impact your tax outcome.

⚠ Important:
Even if you don’t normally file taxes, you must file if you received advance premium tax credits — or future subsidies could be affected.

This post is for informational purposes only and is not tax advice. Consult a qualified tax professional regarding your situation.