Goodbye refund. Half of the Americans who received a subsidy for health insurance will never see their refund materialize, as they owe the government because it gave out too much in ObamaCare subsidies. In other words, Americans are paying for the government’s mistake. “Nearly all families that received tax credits will either owe money or receive extra money because their tax filings had changed after they calculated their ObamaCare subsidies, according to a new report by the Kaiser Family Foundation,” The Hill reports. “Only 4 percent of households received the correct subsidy, according to the report, which uses data from the national Survey of Income and Program Participation.” While it’s not a good way to manage personal finances, many Americans count on a sizable IRS refund to make big purchases like furniture or a new vehicle, or to pay down some debt. Instead, Americans who couldn’t afford health insurance will be farther in a financial hole. More…