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Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

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

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