Frequently-asked questions by tag

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?

October 26, 2020 – 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

What are off-exchange health plans?

What are off-exchange health insurance plans and how are they regulated?

October 21, 2020 – An off-exchange plan is a health insurance policy that is purchased directly from an insurance company or through an agent or broker,… 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 5, 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

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?

August 14, 2020 – 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

The financial implications of a decision to go uninsured

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

August 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?

July 12, 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

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

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

Common questions on buying health insurance.

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