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Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

I’ve heard that the government won’t really be able to enforce the penalty for not having health insurance. Is this true?

I’ve heard that the government won’t really be able to enforce the penalty for not having health insurance. Is this true? Read answer

Is the Obamacare individual mandate just based on the honor system?

Is the Obamacare individual mandate just based on the honor system? Read answer

If I owe income tax and the ACA penalty but don’t plan to pay the ACA penalty, will the IRS apply my payment to my penalty or to my income tax?

If I owe income tax and the ACA penalty but don’t plan to pay the ACA penalty, will the IRS apply my payment to my penalty or to my income tax? Read answer

Do ACA-compliant health insurance plans cover abortion?

Do ACA-compliant health insurance plans cover abortion? Read answer

If I already enrolled in a plan for 2015, can I change my mind and pick a different plan instead?

If I already enrolled in a plan for 2015, can I change my mind and pick a different plan instead? Read answer

When I compare health insurance plans in the exchange for our family, they all show total family deductibles. Does that mean we’d have to meet that full deductible even for just one person?

When I compare health insurance plans in the exchange for our family, they all show total family deductibles. Does that mean we’d have to meet that full deductible even for just one person? Read answer

I didn’t know I was eligible for Medicaid in 2014 so I didn’t enroll. Will I have to pay a penalty?

I didn’t know I was eligible for Medicaid in 2014 so I didn’t enroll. Will I have to pay a penalty? Read answer

I’m self-employed. Is it better for me to buy health insurance through a broker, or through the exchange?

I’m self-employed. Is it better for me to buy health insurance through a broker, or through the exchange? Read answer

If an individual pays for an exchange plan, how do they pay for the premium pre-tax as would someone with an employer plan?

If an individual pays for an exchange plan, how do they pay for the premium pre-tax as would someone with an employer plan? Read answer

I know open enrollment ends February 15, but what’s the deadline to enroll if I want a January 1 effective date?

I know open enrollment ends February 15, but what’s the deadline to enroll if I want a January 1 effective date? Read answer