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Be sure to make complete use of any subsidies you can get through the marketplace.

For example, if you saved up some money to live off of while you get your business going, it's very possible that your net income for the year could be negative (or at least very low), so with a spouse and kids it's feasible that your insurance premiums could be $0.

Of course, once you start making money, you'll want to dial back and eventually stop using the subsidies, otherwise come tax time you'll have to pay them all back for that year.



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