Health insurance FAQs

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Frequently-asked questions by category

enrollment

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

If I don’t enroll in a plan by the open enrollment deadline, what are my options after that?

If I don’t enroll in a plan by the open enrollment deadline, what are my options? 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

What are the ACA’s enrollment periods and when can I enroll outside of the open enrollment period? Read answer

Can the government enforce Obamacare penalties?

I’ve heard that the government can’t really enforce the penalty for not having health insurance. True? Read answer

Even if you think you are eligible for Medicaid, you should pay attention to open enrollment.

If I qualify for Medicaid, should I worry about the January 31 deadline for open enrollment? Read answer

Make your health insurance premium payment before the grace period expires!

What happens if I don’t make my premium payment by the end of the grace period? Read answer

I have insurance through my husband’s employer, so I don’t need my employer’s coverage. But my company said I have to work fewer than 30 hours a week so that I’m not considered full time. Can I just waive my employer’s coverage if they let me work full time? 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 qualifying events and special enrollment periods work?

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

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

Moving to a new state? Establish residency to qualify for health insurance.

I will be retiring from my job in August and moving to a new state. Do I have to establish residency there before I can apply for ACA coverage? Read answer

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment? Read answer

Is Social Security considered income when I’m enrolling in a plan through the exchange? Read answer

Leave your job and you are no longer trapped by COBRA -- an ACA special enrollment period applies.

I’m leaving my job – and my insurance – on June 30. Do I qualify for open enrollment on July 1? or do I have to take COBRA? Read answer

Where can I find the list of Obamacare qualifying events? Read answer

We’re moving 50 miles, but staying in the same state. Is that a qualifying event? Read answer

I’m not sure when health benefits will start at my new job. Can I drop ACA coverage when those benefits start?

I’m not sure when health benefits will start at my new job. Can I drop ACA coverage when those benefits start? Read answer

Can I keep my Obamacare plan when I move states?

I purchased health insurance under the Affordable Care Act in Texas, but I have moved to Colorado. How do I transfer my coverage? Read answer