Frequently-asked questions by tag

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?

June 18, 2020 – Q: What type of health insurance exchange does my state have? A: As of the 2020 plan year (starting with enrollment in the fall of 2019),… 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?

June 13, 2020 – 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

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

My wife and I each make about $40,000 a year. If we file our taxes separately, can we each qualify for an exchange subsidy?

Do ACA-compliant health insurance plans cover abortion?

May 5, 2020 – Q. Do health insurance plans in ACA's exchanges cover abortion? A. Some do, and some don't. They are not required to, and in some states,… Read more

Will my father’s premiums go up if I get coverage through his plan instead of my university’s plan?

January 25, 2020 – Q. I’m 24 and a graduate student. I can get health coverage through my university, but my father has an excellent plan at work, and he… Read more

Can I purchase a Platinum policy and also get a premium subsidy?

January 20, 2020 – Q: I’ve heard that the ACA's premium subsidies will only help a person buy a Silver plan which pays for just 70 percent of average… Read more

I understand that subsidies come in the form of tax credits. But I’m unemployed and probably won’t owe any taxes. How would the subsidy help me?

I understand that subsidies come in the form of tax credits. But I’m unemployed and probably won’t owe any taxes. How would the subsidy help me?

January 20, 2020 – A: The premium subsidy offered through the exchanges is a tax credit, but it differs from some other tax credits in two important ways.… 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?

December 30, 2019 – 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

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?

November 12, 2019 – 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

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