Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

If I don’t enroll in a plan by the open enrollment deadline, what are my options after that?

If I didn’t enroll in a plan by the open enrollment deadline, what are my options now? Read answer

What’s the deadline to get coverage during Obamacare’s open enrollment period? Read answer

What are the ACA’s enrollment periods and when can I enroll outside of the open enrollment period? Read answer

Even if you think you are eligible for Medicaid, you should pay attention to open enrollment.

If I qualify for Medicaid, should I worry about the January 31 deadline for open enrollment? Read answer

What is the difference between a Medical FSA and an HSA?

What is the difference between a Medical FSA and an HSA? Read answer

Make your health insurance premium payment before the grace period expires!

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

I have insurance through my husband’s employer, so I don’t need my employer’s coverage. But my company said I have to work fewer than 30 hours a week so that I’m not considered full time. Can I just waive my employer’s coverage if they let me work full time? 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?

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

Will Obamacare lower costs for self-employed?

Does Obamacare make health coverage less expensive for the self-employed? Read answer

Where do I find my 1095 tax form? Read answer

I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true?

I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true? 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?

If I didn’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

Can the government enforce Obamacare penalties?

I’ve heard that the government can’t really enforce the penalty for not having health insurance. True? Read answer

What type of exchange does my state have?

What type of health insurance exchange does my state have? Read answer

I already have great employer-sponsored health insurance that covers my pre-existing conditions. So how does Obamacare help me? Read answer

What happens if my income changes and my premium subsidy is too big? Will I have to repay it?

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?

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?

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