Frequently-asked questions about health insurance
Our insurance experts answer the questions our readers ask most.
What happens if my income changes and my premium subsidy is too big? Will I have to repay it? 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? Read answer
If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier? Read answer
Is there a minimum age for Obamacare’s individual mandate? Read answer
My premium subsidy is dependent on my AGI. But I’m self-employed, so my AGI is dependent on my premium. Help! Read answer
How much training do the ACA’s Navigators receive? Read answer
My employer offers insurance, but I think it’s too expensive. Can I apply for a subsidy to help me buy my own insurance? Read answer
What’s the deadline to get coverage during Obamacare’s open enrollment period? 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? Read answer
What type of health insurance exchange does my state have? Read answer
Are qualifying events and special enrollment periods the same as they were in prior years? Read answer
Where do I find my 1095 tax form? Read answer
Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans? Read answer
If I don’t make changes to my plan and just let it auto-renew for January, am I stuck with it for the rest of the year? Read answer
Does the Affordable Care Act make it easier to get individual health insurance? Read answer
I’m self-employed and am hiring employees. Under Obamacare, am I obligated to provide health insurance for them? Read answer
Does Obamacare make health coverage less expensive for the self-employed? Read answer
Does the ACA require infertility treatment to be covered by health insurance? Read answer
How is vision care covered under Obamacare? Read answer
We’re a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges? Read answer