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FILE - In this Aug. 21, 2014 file photo shows health care tax forms 8962 and1095-A, in Washington. As the April 15 tax deadline nears, people who got help paying for health insurance under President Barack Obama's law are seeing the direct effect on their refunds _ hundreds of dollars, for better or worse. With subsidies tied to income, consumers must accurately estimate what they will make for the coming year _ and that's been a challenge. Guess on the low side, get more help now with premiums, but owe money later at filing time. Overestimate income, expect bucks back from the taxman. (AP Photo/Carolyn Kaster)

FILE - In this Aug. 21, 2014 file photo shows health care tax forms 8962 and1095-A, in Washington. As the April 15 tax deadline nears, people who got help paying for health insurance under President Barack Obama's law are seeing the direct effect on their refunds _ hundreds of dollars, for better or worse. With subsidies tied to income, consumers must accurately estimate what they will make for the coming year _ and that's been a challenge. Guess on the low side, get more help now with premiums, but owe money later at filing time. Overestimate income, expect bucks back from the taxman. (AP Photo/Carolyn Kaster)

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