Frequently-asked questions by category

My employer offers insurance, but I think it’s too expensive. Can I apply for a subsidy to help me buy my own insurance?

August 23, 2024 – You cannot qualify for a health insurance premium subsidy unless the insurance your employer offers would force you to kick in more than…

Is there any chance I will be turned down for coverage by a health insurance exchange?

August 23, 2024 – The main idea behind health care reform law was to remove the barriers to insurance coverage for most Americans who remained uninsured…

How can American Indians and Alaska Natives get coverage under the ACA? Are there specific plan options for them?

March 22, 2026 – American Indians and Alaska Natives (AI/AN) benefit from the Affordable Care Act’s (ACA) expanded coverage. Most American Indians/Alaska…

I am on Medicare and Social Security. My wife is self employed and needs insurance from the state exchange. How do we figure our household income?

February 5, 2024 – For the purpose of determining subsidy eligibility, the IRS and the health insurance exchanges use an ACA-specific version of modified…

How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges?

January 18, 2024 – Fortunately, the IRS issued new rules, effective in 2023, to allow some families to take advantage of premium subsidies in the exchange if…

My parents are 68, but recently moved to the U.S., so they don’t qualify for Medicare. Can they buy insurance in the exchange?

September 8, 2023 – If your parents are 65 or older but don't qualify for premium-free Medicare Part A, they can purchase a private plan in the Marketplace and…