I don't think I can vote on this one because I didn't buy mine recently, but I will throw in my two cents. When I got my HCH, the federal tax benefit was still a deduction, not a credit. So if I translate that into what it would mean today, then if my tax rate is 15%, I would have gotten 15% of the 'credit' because it was a deduction. Does that make sense? So I'm in the <20% group. Sort of.