A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
Featured
Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Frequently-asked questions by category

Is there still a penalty for being uninsured? photo

Is there still a penalty for being uninsured?

April 30, 2025 – The ACA's individual mandate penalty was assessed for the last time on tax returns filed in 2019; there's no longer a federal penalty for…

I was laid off and don’t have any income. What are my health insurance coverage options? photo

I was laid off and don’t have any income. What are my health insurance coverage options?

January 13, 2025 – Loss of employer-sponsored insurance because you were laid off counts as a qualifying event, and special enrollment continues for 60 days…

Who is keeping track of whether I buy health insurance through the exchanges? photo

Who is keeping track of whether I buy health insurance through the exchanges?

December 11, 2024 – Regardless of where you get your health insurance, you (and the IRS) will get a tax form from your employer, insurance company, or exchange…

Does the IRS still enforce the individual mandate? photo

Does the IRS still enforce the individual mandate?

January 12, 2024 – The individual mandate and its associated penalty are applicable to 2018 tax returns, as the repeal of the mandate penalty didn't take…

Does every business with 50 or more employees pay a penalty if it doesn’t offer ‘affordable, comprehensive’ insurance? photo

Does every business with 50 or more employees pay a penalty if it doesn’t offer ‘affordable, comprehensive’ insurance?

January 10, 2024 – Businesses with 50 or more full-time equivalent (FTE) employees are required to offer comprehensive, affordable health insurance coverage…

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

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

December 16, 2022 – No, unless you're hiring at least 50 full-time equivalent (FTE) employees. Businesses with fewer than 50 FTE employees (that's 96% of…

If I decide to gamble and go without insurance, isn’t that my business? photo

If I decide to gamble and go without insurance, isn’t that my business?

August 18, 2021 – An individual's decision to "gamble" and go without health insurance can result in uncompensated care – a financial burden on hospitals…