That's interesting but according to your link, Advance Premium Tax Credit <> Refundable Credit. In practice, what will be the difference? How does an existing

That's interesting but according to your link, Advance Premium Tax Credit <> Refundable Credit. In practice, what will be the difference? How does an existing high-deductible plan compare to a Bronze plan with the Advanced Premium Credit applied? If it's significantly more coverage, if it's significantly cheaper, if it's easy to sign up for, then it might be attractive to that percentage of uninsured smart enough to jump through the extra hoops, if they actually want insurance, if they can afford a Bronze plan with the "advance" applied. That's a lot of ifs. I think a large percentage of uninsured will opt for the status quo (do nothing) that's just human nature. According to your link, you have to file your tax return to get the difference (refundable - advanced) paid to you. What percentage of uninsured file tax returns?