Frequently-asked questions by category
I have family coverage through my employer but have to pay the full cost of my kids’ premiums. Can I buy individual policies for my children instead?
February 28, 2023 – Starting in 2023, your kids might qualify for premium subsidies in the exchange, under the terms of the "family glitch" fix that the IRS…
I will be retiring from my job in March and moving to a new state. Do I have to establish residency there before I can apply for ACA coverage?
September 15, 2021 – In most cases, you need to be living in a state in order to apply for insurance in that state (although it's possible to obtain coverage…
Is there any chance I will be turned down for coverage by a health insurance exchange?
August 18, 2021 – The main idea behind health care reform law was to remove the barriers to insurance coverage for most Americans who remained uninsured…
Is Social Security considered income when I’m enrolling in a plan through the exchange?
July 19, 2021 – Social Security income is included in the calculation to determine your subsidy…
I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?
June 2, 2021 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the…
We get health insurance through my job, but the coverage isn’t very good. Can I enroll in an exchange plan instead, and get a subsidy to help pay for it?
January 25, 2021 – Just about anyone can enroll in an exchange plan. But eligibility for a subsidy depends on how much your group plan costs and the quality…
If I have access to health insurance, can my husband’s company deny me coverage?
January 22, 2021 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not a spouse. But…