 [ Symptoms ] what are triggers for eczema and how can i treat itching and inflammation [ Disease ] a tax credit under the law translates to your health plan cost being reduced people do have the option of paying the full price of insurance throughout the year and then taking the credit at tax time but most people will choose to have the credit applied to their health plan so they pay less for it each month if you do not make enough money to file taxes you will no doubt qualify for medicaid and hopefully you live in a state that has decided to expand its program if you do you will gain coverage at no cost to you also if you do not make enough money to file taxes you will not be held responsible for getting coverage so if you do not have insurance you will not be on the hook for the penalty