Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

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

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’s health insurance exchanges interact with critical illness plans? Source: https://www.healthinsurance.org/faqs/how-will-the-acas-health-insurance-exchanges-interact-with-critical-illness-plans

How do the ACA’s health insurance exchanges interact with critical illness plans? 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

Do 'Gold' exchange plans offer more generous coverage than Bronze or Silver plans?

Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans? 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

Does the ACA force insurance companies to pay for infertility treatment?

Does the ACA require infertility treatment to be covered by health insurance? Read answer

Does Obamacare cover vision care?

How is vision care covered under Obamacare? 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

Is everyone who makes too much for ACA subsidies going to see big premium increases?

Is everyone who makes too much for ACA subsidies going to see big premium increases? Read answer

Native Americans and eskimos can benefit from Obamacare/ACA.

How can Native Americans get coverage under the ACA? Are there specific plan options for them? Read answer

Is the IRS saying I’ll have to pay more for my health insurance next year? 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

How do the health insurance exchanges affect me if I already have insurance from my employer?

How do the health insurance exchanges affect me if I already have insurance from my employer? Read answer

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

Should I buy the health plan my college offers? or buy through an ACA exchange?

Should I buy the health plan my college offers? or buy through an ACA 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

Under the ACA, can I still have an individual HDHP and an HSA?

Under the ACA, can I still have an individual HDHP and an HSA? Read answer