You just admitted I am right. Tax credits can be structures so that no one gets money back they didn’t pay.
No name calling. That's an improvement, I guess.
As I said, the plan calls for refundable, advanceable tax credits. Money the government will give you right off the start to fund your healthcare for the year. If the government gives you a $6,000 credit in January 2017 and then in January 2018 you determine that with other deductions and credits you pay zero taxes, do you expect the government will say, "You owe us the $6000 for insurance we gave you in January?"
This will be a tax credit lower income people will get regardless of their tax withholding. It's an entitlement. Just like Obamacare has.