Native American Insurance Solutions

Kyler and Associates is open all year. Call us anytime with insurance questions. (405) 774-1520

Are consumers required to pay back all of their advance payments of the premium tax credit (APTC) if they estimated their household income to be 100% or more of the FPL but their actual household income ends up being less than 100% of the FPL?
Date Published: Dec 2, 2025

ANSWER
Consumers generally are not required to pay back APTC in this scenario.

What is a Special Enrollment Period? 2025-2026

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Understanding
Special
Enrollment
Periods

www.cms.gov

You have until January 15 to assist consumers who have been auto re-enrolled into Plan Year 2025 coverage with updating their application and reviewing all plan options.
Consumers who were enrolled in the Marketplace for Plan Year 2024 and did not make an active Plan Year 2025 selection by December 18, 2024 were auto re-enrolled in coverage with an effective date of January 1, 2025. This information was visible on EDE websites or the consumer's HealthCare.gov account starting December 19, 2024.

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As of January 1, 2025, non-emergency or non-urgent care out of state beyond the counties that border Oklahoma will not be a covered benefit under your plan.

Member Changes | Blue Cross and Blue Shield of Oklahoma Thank you for your membership with Blue Cross and Blue Shield of Oklahoma. We value your trust in us and the health care coverage we provide.