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Medicare & Medicaid

Medicare & Medicaid

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ACA open enrollment: what’s new for 2025
Open enrollment for 2025 ACA (Affordable Care Act)-compliant health insurance is just around the corner. Let’s take a look at the various changes that consumers should be aware of this fall.

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Featured
How does a health savings account (HSA) work?
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.

Expert analysis of health reform issues

Silver, Bronze, or Gold? Choosing a metal level in the marketplace photo

Silver, Bronze, or Gold? Choosing a metal level in the marketplace

April 25, 2022 – In the ACA marketplace, it’s important to recognize that while Bronze, Gold and Platinum health plans have the same value no matter who…

The case for switching from Bronze to Silver photo

The case for switching from Bronze to Silver

March 31, 2022 – The American Rescue Plan's subsidies made about 4.6 million Americans eligible for a free benchmark Silver health plan. Here's why it would…

What will happen if ARP’s insurance subsidies expire? photo

What will happen if ARP’s insurance subsidies expire?

March 29, 2022 – The American Rescue Plan made ACA health plans more affordable through enhanced subsidies. Here's what happens if that subsidy structure…

ACA sign-ups hit all-time high – with a month of open enrollment remaining photo

ACA sign-ups hit all-time high – with a month of open enrollment remaining

December 28, 2021 – Americans in need of health insurance have responded to a major increase in marketplace subsidies created by the American Rescue…

How the Build Back Better legislation might affect your coverage photo

How the Build Back Better legislation might affect your coverage

December 22, 2021 – The Build Back Better Act is loaded with long-needed fixes to the Affordable Care Act that would continue to boost affordability of…

Why your ACA premium might be going up for 2022 photo

Why your ACA premium might be going up for 2022

December 15, 2021 – Health insurance rate increases nationally are mostly modest. Here’s why you might expect a steep increase anyway – and how you might…

Think you’re not eligible for ACA subsidies? Think again. photo

Think you’re not eligible for ACA subsidies? Think again.

October 8, 2021 – For four huge groups of Americans, 2022 open enrollment will offer unprecedented access to health insurance premium tax…

Congress boosted ACA subsidies. An enrollment surge followed. photo

Congress boosted ACA subsidies. An enrollment surge followed.

September 28, 2021 – The ARP's enhanced health insurance subsidies prompted a major surge in new marketplace enrollments and plan upgrades during this year's…

How new carriers in your marketplace could affect your coverage options photo

How new carriers in your marketplace could affect your coverage options

September 14, 2021 – More health insurance carriers are entering ACA's exchanges for 2022. Here's why you should pay attention to new health plans in your…

Subsidy availability drives consumers to shop for health insurance photo

Subsidy availability drives consumers to shop for health insurance

September 2, 2021 – Americans previously priced out of ACA coverage have been motivated by newfound eligibility for subsidies – and dramatic savings are…

The COVID SEP ended in most states. The ARP is still making premiums more affordable. photo

The COVID SEP ended in most states. The ARP is still making premiums more affordable.

August 20, 2021 – The American Rescue Plan's enhancements to the Affordable Care Act's health insurance subsidies will continue long after the end of the…

Six strategies for avoiding the Affordable Care Act’s coverage gap photo

Six strategies for avoiding the Affordable Care Act’s coverage gap

August 13, 2021 – For low-income Americans seeking health coverage in states refusing to expand Medicaid, awareness of a minimum income requirement can make…