Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

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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

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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

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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?

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?

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

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

Will the IRS use my tax dollars to pay my ACA penalty?

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

How do the ACA’s health insurance exchanges interact with critical illness plans? Source: https://www.healthinsurance.org/faqs/how-will-the-acas-health-insurance-exchanges-interact-with-critical-illness-plans

How do the ACA’s health insurance exchanges interact with critical illness plans? Read answer

What type of exchange does my state have?

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

How do the ACA qualifying events and special enrollment periods work?

Are qualifying events and special enrollment periods the same as they were in prior years? Read answer

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Where do I find my 1095 tax form? Read answer

Do 'Gold' exchange plans offer more generous coverage than Bronze or Silver plans?

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?

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?

Does the Affordable Care Act make it easier to get individual health insurance? Read answer

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I’m self-employed and am hiring employees. Under Obamacare, am I obligated to provide health insurance for them? Read answer

Will Obamacare lower costs for self-employed?

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

Does the ACA force insurance companies to pay for infertility treatment?

Does the ACA require infertility treatment to be covered by health insurance? Read answer