This is a direct quote we got from Hubster's pension plan, perhaps some of you aren't aware of this program - we weren't. This may not help everyone but hopefully it might help some of you.

"You may be eligible for a tax credit that helps pay for qualified health insurance. If you are age 55 or older and NOT eligible for Medicare or Medicaid, you can use the Health Coverage Tax Credit (HCTC) to pay 65% of the cost of your "qualified health insurance". The HCTC, administered by the Internal Revenue Service, is available as an advance tax credit for monthly health coverage premiums paid by you or as a refundable tax credit on your federal tax return.

If you qualify for the monthly advance tax credit, HCTC will help you pay your health insurance premium every month, provided you have "qualified health insurance". HCTC can tell you what is considered to be "qualified health insurance". If you don't wish to take advantage of the monthly advance tax credit, you can still claim 65% of your "qualified health insurance" premiums as a refundable tax credit on your federal tax return.

If you are eligible for HCTC, you may also be able to apply for National Emergency Grant (NEG) Gap Filler funds, which are available in certain states to help individuals pay for their "qualified health insurance" until they begin receiving the advance tax credit through the HCTC Program. Contact the U.S. Department of Labor at 1-877-US-2JOBS (1-877-872-5627) and ask if your state has a NEG Gap Filler Program.

For more information about the HCTC and Qualified Health Insurance, visit the IRS Web site at www.irs.gov (IRS Keyword: HCTC), or call the HCTC Customer Contact Center at 1-866-628-4828 (TTD/TTY: 1-866-626-4282)."