Frequently-asked questions by tag

Affordable Care Act

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?

October 15, 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

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?

October 8, 2019 – 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

If someone decides not to buy health insurance and is injured in accident, what happens?

If someone decides not to buy health insurance and is injured in accident, what happens?

December 19, 2018 – Q: If a person opts out of buying insurance, gets in an accident and goes to hospital emergency room – what happens? A: When a… 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?

December 16, 2018 – 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

If I have access to health insurance, can my husband’s company deny me coverage?

If I have access to health insurance, can my husband’s company deny me coverage?

December 15, 2018 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. But… 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?

November 14, 2018 – 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

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?

November 13, 2018 – 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

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!

September 18, 2018 – Q. Under the ACA, my insurance premium subsidy is dependent on adjusted gross income (AGI). But, for a self-employed person, AGI is… 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?

June 20, 2018 – 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

I live in Boston, where health care is really expensive. Are the subsidies large enough to help me buy insurance here?

I live in Wyoming, where health care is really expensive. Are the subsidies large enough to help me buy insurance here?

April 5, 2018 – Q: I live in Wyoming, where health insurance is really expensive. Will the subsidies be large enough to help me buy insurance here? A:… Read more

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

February 23, 2018 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… Read more

Can you explain the controversy around the IPAB and why it was repealed?

February 10, 2018 – Q. What is this controversy regarding the IPAB really about? Are politics involved? A. The IPAB never convened and its process was never… Read more