It is Waffle who does not understand the tax credit and how it works... I understand fully.. my guess is your reading comprehension needs some work.  The refundable tax credit is a gift to the poor as you call it or a redistribution of wealth.  In the case of the health care law it is designed to repay someone who is on the lower end of the income scale monies they have paid for Insurance.  If they have paid no taxes then it will STILL be paid back to them ... perhaps if you read more of the thread you will be more informed.