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somewhat disabled person in the state of GA. trying to work, need help


i am a 31 yo female in Georgia with a connective tissue disorder/peripheral neuropathy in both hands. i work part-time but i am about to leave my employer to be a self-employed part-time consultant and will have to buy insurance through obamacare.

the cheapest plan on healthcare.gov is $181 dollars.  through my employer i made roughly 25k per year but i imagine it will go down to about 15k if i am self-employed.

i am eligible for "tax credits" but i am confused because i NEVER owe the irs money so a tax credit would not help me, correct?

any advice appreciated.  i am TRYING to work and it feels like i am being punished for doing so.  thanks.


  • I believe tax credits work by either reducing your income, so you are liable for less tax, or counts as tax paid.  Your refund might be larger...at least that is how I think the tax credit works!
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