Thanks for your response to my post. I did see where they stated that the IRS had not issued any guidance. It seems like by now they should have some guidance because it looks to me like people have been getting these rebates for several years now. 

In this case the insurance co said there was a $3000 credit, so that is a lot of money to leave on the table. I am wondering if there will be some kind of form issued by the government or insurance company in regards to that. Surely this would have to go back to the government somehow. I just don't understand why it isn't a line item on one of those healthcare tax forms to work in to a calculation for repayment.

I don't even know if I can get an appointment with the local IRS office to see if they know anything. I may just have to wait and see what comes up in the next year.

Thanks again.