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Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

Will I be able to see 2015 health insurance rates on the exchange web sites before open enrollment begins?

Will I be able to see 2015 health insurance rates on the exchange web sites before open enrollment begins? Read answer

Why are more insurers offering plans in the marketplaces in 2015?

Why are more insurers offering plans in the marketplaces in 2015? Read answer

If I need a policy with a January 1, 2015 effective date, what’s the deadline for enrolling?

If I need a policy with a January 1, 2015 effective date, what’s the deadline for enrolling? Read answer

What happens if I don’t make my premium payment by the end of the grace period?

What happens if I don’t make my premium payment by the end of the grace period? Read answer

My doctor posted a sign saying she ‘doesn’t take Obamacare.’ What should I do?

My doctor posted a sign saying she ‘doesn’t take Obamacare.’ What should I do? Read answer

We live in China right now but we don’t have health insurance for the times we come back to the states. What kind of insurance can we get?

We live in China right now but we don’t have health insurance for the times we come back to the states. What kind of insurance can we get? Read answer

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know?

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know? Read answer

Someone told me you have to earn a minimum of $30,000 per year in order to purchase ACA insurance. Is this correct?

Someone told me you have to earn a minimum of $30,000 per year in order to purchase ACA insurance. Is this correct? Read answer

I know the individual mandate permits a gap in coverage up to three months per year. What if I’m uninsured for the last three months of 2014 and first three months of 2015?

I know the individual mandate permits a gap in coverage up to three months per year. What if I’m uninsured for the last three months of 2014 and first three months of 2015? Read answer

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

We’re moving 50 miles, but staying in the same state. Is that a qualifying event? Read answer