Waiting to Do Life Change Until Taxes Filed , Tax Credit Reconciled?

I have a few small business Schedule C clients who want to wait until they know their 2015 income before doing a life change for 2016. There are others dreading their kids rejected by Medicaid/CHIP last year going off their plan until the application is accepted/rejected again, and want a longer time line for CHIP app processing, since they didn't renew close to 11/1/15.

I want to have a good answer to this question: If the "old" tax credit is applied to their coverage for 1 to 3 months in 2016, won't the 2016 tax return credit the proper amount for the whole year? Then, in 2017, they woul
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