Frequently-asked questions about health insurance

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours?

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours?

November 3, 2019 – Q. My husband and I have two children. We claim our son on our taxes; he's in high school, lives at home and has a part-time job. Our 23… Read more

A 35-year-old says that before the ACA, his health insurance premiums were $150 a month with a $50 deductible. But did he have a true major medical plan?

Were individual-market health plans less expensive before Obamacare?

October 28, 2019 – A 35-year-old says that before the ACA, his health insurance premiums were $150 a month with a $50 deductible. But did he have a true major… Read more

But HDHPs and HSAs are also sometimes among the best options for people who have serious health conditions and know they're going to need extensive medical care in the coming year.

Who should consider a high-deductible health plan?

October 21, 2019 – Q: Who should consider a high-deductible health insurance plan? A: If you're healthy – or sick – and have some money saved or plan… Read more

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?

October 18, 2019 – Q. Next year, I start college and I’m trying to decide whether I would be better off enrolling in the plan my college offers, buying my… Read more

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?

October 8, 2019 – 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… Read more

Because each state has its own Medicaid eligibility requirements, you can’t just transfer coverage from one state to another, nor can you use your coverage when you’re temporarily visiting another state.

Can I use my Medicaid coverage in any state?

September 30, 2019 – Because each state has its own Medicaid eligibility requirements, you can’t just transfer coverage from one state to another, nor can you… Read more

Although there is no longer a federal tax penalty for being uninsured, some states have created their own penalties with enforcement mechanisms that largely mirror the federal rules that applied through 2018.

Is it true that the government can’t really enforce the penalty for not having health insurance?

September 12, 2019 – Although there is no longer a federal tax penalty for being uninsured, some states have created their own penalties with enforcement… Read more

Under what circumstances might I have to repay my ACA subsidy?

August 26, 2019 – Most people who are eligible for a health insurance subsidy claim that money in advance. But be careful when going that… Read more

A girl with a puzzled look on her face wondering how much the IRS will charge her for health insurance

Is the IRS changing how much I’ll have to pay for my health insurance next year?

August 14, 2019 – Q. I saw that the percentage of income I have to pay for my health insurance is lower for 2020, after decreasing for 2018 and then… Read more

Who ISN’T eligible for Obamacare’s premium subsidies?

June 1, 2019 – Q. Obamacare advocates frequently talk about how most exchange enrollees qualify for government subsidies. But who is left out? Aren't… Read more

Would my 21-year-old’s subsidy be based on his income – or mine?

Would my 21-year-old’s subsidy be based on his income – or mine?

May 14, 2019 – Q. My 21-year-old son is in college. I know he could stay on my employer's plan until he is 26. But he might be able to get better coverage… Read more

I’m leaving my job – and my insurance – on June 30. Do I qualify for open enrollment?

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

March 7, 2019 – Q. I'm planning to leave my job to become self-employed in June. My insurance will end on June 30, but I have an option to take COBRA. Do… Read more