Frequently-asked questions about health insurance

Saving money for your has account

How does a health savings account (HSA) work?

May 26, 2020 – A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an… Read more

When choosing a health plan during open enrollment, there's a less obvious form of healthcare savings you might reap – depending on the plan you choose: the tax savings associated with a health savings account (HSA).

Can I buy health insurance that’s compatible with an HSA during open enrollment?

May 26, 2020 – When choosing a health plan during open enrollment, there's a less obvious form of healthcare savings you might reap – depending on the… Read more

Many of the Affordable Care Act's preventive care mandates – including coverage of screenings – apply to both men and women.

Is it true that Obamacare’s preventive care mandates only help women?

May 15, 2020 – Generally, ACA's preventive care mandates are for everyone regardless of gender, but the mandates include benefits that apply to women's… Read more

We’re in a same-sex civil union. Should we calculate our subsidy as a household of two, or apply separately?

May 13, 2020 – Q. My partner and I are in a same-sex civil union. For subsidy calculation, does the exchange count our income together as a household of… Read more

My health insurance options from my employer are on an exchange. Is this part of Obamacare?

My health insurance options from my employer are on an exchange. Is this part of Obamacare?

May 13, 2020 – Q: My health insurance options from my employer are on an exchange. Is this part of Obamacare? A: It could be, or it could be a private… Read more

Are smokers unable to afford insurance under the ACA?

Are smokers unable to afford insurance under the ACA?

May 13, 2020 – Q. I've heard that under the ACA, smokers have to pay 50 percent more for insurance – and that, even if they qualify for a tax credit,… Read more

The financial implications of a decision to go uninsured

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

May 12, 2020 – An individual's decision to "gamble" and go without health insurance can result in uncompensated care – a financial burden on hospitals… Read more

Starting in 2010, the ACA allowed young adults to remain on their parent’s health plans until age 26. Is that still the case?

Under the ACA, can young adults still remain on their parents’ health plans until age 26?

May 11, 2020 – Q. I know that the ACA allows young adults to remain on their parents’ health insurance until age 26. Has anything changed about that… Read more

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

May 10, 2020 – Q. With my current income, I am not eligible for a premium subsidy – but I'm just barely over the limit. Is there anything I can do to… Read more

Can I deduct my exchange premiums when I file taxes next year?

Can I deduct my exchange premiums when I file taxes?

April 20, 2020 – Q. I've always had employer-sponsored health insurance, and I believe the premiums were tax deductible. But I left that job earlier this… Read more

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

April 7, 2020 – Q. Our family of three has an income of $62,000 (just over 300 percent of poverty level). I thought that subsidies were available for… Read more

What are the household income limits for ACA subsidies?

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?

April 2, 2020 – Q: I am on Medicare and Social Security, my wife recently became self-employed and needs insurance from the state exchange. How do we… Read more