Doug Winterburn wrote:

He's saying if they're in the 40% of folks who don't pay income taxes, a
tax credit is worth zilch - so still not able to afford health insurance
- unless it's done like the current "earned income" tax credit where you
get a income tax refund even if you paid no income tax.

Some tax credits are refundable. That means they will send you a check for the
credit even if you don't pay any income taxes. See:
http://en.wikipedia.org/wiki/Tax_credit

-- Doug