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Frequently-asked questions by tag

Affordable Care Act

Can health insurance policies still have lifetime benefit maximums? What about annual benefit maximums?

September 24, 2017 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… Read more

What are Consumer Operated and Oriented Plans (CO-OPs)? How are they different from plans in the health insurance exchanges?

September 10, 2017 – Q: What are Consumer Operated and Oriented Plans (CO-OPs)? How are they different from plans in the health insurance exchanges? A: The… Read more

Two student shadows on brick questioning health policies about birth control

Do student health policies have to cover birth control without co-pays?

June 8, 2017 – Q. Do student health policies have to cover birth control without co-pays? A. Yes. Policies that began on or after August 1, 2012, are… Read more

Man carry a large boulder and a map of the southern us states showing Medicaid expansion

What is the Medicaid ‘coverage gap’ and who does it affect?

May 16, 2017 – Q. I keep hearing about the "coverage gap" in states that are not expanding Medicaid. Can you explain what that means and who it affects?… Read more

Woman at computer with boss pointing trying to figure out if she can buy own insurance instead of employer plan

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

March 29, 2017 – Q: My employer offers insurance, but I think it's too expensive. Can I apply for a subsidy to help me buy my own insurance? A: Probably… Read more

A family of four in cold weather gear asking about subsidies that are available through the exchange

We’re a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges?

December 30, 2016 – Q. We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the… Read more

Does Obamacare make health coverage less expensive for the self-employed?

Does Obamacare make health coverage less expensive for the self-employed?

December 30, 2016 – Q. Does Obamacare make health insurance for the self-employed less expensive? A. It depends on how much they earn, and whether they were… Read more

Man standing in middle of multiple roads wondering what type of health exchange his state has

What type of health insurance exchange does my state have?

December 7, 2016 – Q: What type of health insurance exchange does my state have? A: As of June 2016, there are 13 state-based marketplaces, 4 state-based… Read more

With state health insurance exchanges in place, can still use a broker or get some personal help in choosing a plan?

October 4, 2016 – Q: Now that the state health insurance marketplace (exchanges) are in place, will I still be able to use a broker or get some personal help… Read more

Baloon being blown up saying the size of your tax credit depends upon your income in the year you receive a premium subsidy

What happens if my income changes and my premium subsidy is too big? Will I have to repay it?

August 30, 2016 – If recipients end up earning more than anticipated, they could have to pay back some of the subsidy. This can catch people off guard,… Read more

I’m self-employed, so my AGI is dependent on my premium

My premium subsidy is dependent on my AGI. But I’m self-employed, so my AGI is dependent on my premium. Help!

July 18, 2016 – Under the ACA, my insurance premium subsidy is dependent on adjusted gross income (AGI). But, for a self-employed person, AGI is dependent… Read more

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

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

July 10, 2016 – Q: How will the ACA's health insurance exchanges interact with critical illness plans? A: In recent years, critical illness plans —… Read more