Will you receive an Obamacare subsidy?

Will you receive an Obamacare subsidy?

I'm looking into to this.  This article gives information that will allow one to make a decision on whether or not to buy the insurance or pay the fine.

It doesn't supply enough information, but it does look like the subsidies could be generous.

That might be deceptive, though.  For a low income individual, who may not pay taxes at all, in order to receive the subsidy in any meaningful way, the tax credit will have to be refundable.  That's to say, an income tax refund could pay a substantial portion of their health care insurance premiums.  Is this the case or not?

Also, there's a long gap from the time the premiums are to be paid, and when a low income individual can receive their subsidy.  If tax returns are filed the next year (April 2015), and the premiums are to be paid this year ( beginning on Jan 2014) , how does a poor individual come up with that money during those 15 1/2 months?

Update:

It looks like the government will pick up the tab as the subsidy will be paid to the insurance companies, not to YOU.