A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 888-383-5527
Get a quote
Speak with a licensed insurance agent 888-383-5527
Get a quote
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Individual & Family
Health insurance Marketplace Short-term health insurance Medicare Medicaid
Supplemental
Dental insurance Critical Illness Insurance Accident Insurance Cancer Insurance Vision Insurance Travel Insurance
Coverage by state
A-G
Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia
H-L
Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana
M
Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana
N-R
Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island
S-W
South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Featured
What are the deadlines for the ACA’s open enrollment period?
ACA open enrollment for 2026 coverage runs Nov. 1 – Jan. 15 in most states, but some have different deadlines. Check your state’s ACA enrollment dates.
Calculators
Subsidy calculator Marketplace plan cost comparison Employer plan affordability calculator Federal poverty level calculator Annual income calculator
Featured
Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why subsidy amounts in 2026 may be different.
The ACA
What's the Affordable Care Act (Obamacare)? How to shop the ACA Marketplace Open enrollment Special enrollment
In-depth guides
How to choose the best plan Self-employed: How to get covered Women's health coverage Medicare: Ultimate guide Medicaid: State-by-state College students & grads: Your options
Health reform & FAQs
Blog: Health reform insights FAQs Glossary Press releases
Featured
If my income changes and my premium subsidy is too big, will I have to repay it?
If you received advance payments of the premium tax credit for health insurance that you purchased last year on HealthCare.gov (or a state-run health insurance Marketplace) and your income ended up increasing during that year, you might have to pay back some of your premium tax credit.

Home > Authors > Rob Cullen

Rob Cullen

author_image

Rob Cullen has been writing about health policy for What If Post since 2009. Founded in 2007, What If Post is a website dedicated to helping non-experts understand America’s massively complex healthcare system and the efforts to reform it.

Rob is also the web content manager for the Women’s Campaign Fund and writes their weekly MsRepresentation newsletter on women in politics. As a freelance writer based in Pittsburgh, his work has appeared in Pittsburgh City Paper, Pulp, Carnegie Mellon Today, MAKE Magazine, and other publications.