$1200 is just our usual refund, give or take $100 from year to year. That's about how much it was in years prior to the Marketplace and how much it's been since we started using it. I should point out that when we file our taxes, we do report that we're insured through the Marketplace and how much we pay in premiums, so I'm assuming our refund in recent years has been calculated with that in mind.
I'm under the impression that the tax credits are also offered at the time of filing if you didn't take them through premium tax credits. It just seems that we stand to save a whole lot more if we take the credits through PTCs rather than at the time of filing, so I must not be understanding something.
