there are a few ways you can take the tax credit. first the full credit can be sent directly to your insurer to lower your monthly premium. second you can decide to pay your full insurance premium throughout the year and take your credit at tax time to reduce the amount you owe the government (or to increase your refund). there's also a third option in which you'll be able to apply part of the credit to lower your premium and take the remainder at tax time. you'll work all this out when you apply for coverage through your state's marketplace.
how will premium subsidies work? would i receive the money automatically when i buy coverage through the marketplace?