Frequently-asked questions by tag

cost-sharing subsidies

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

My eligibility for Medicaid depends on how my income compares to the Federal Poverty Level. Can you spell out what that means in dollars?

My eligibility for Medicaid depends on how my income compares to 138 percent of the Federal Poverty Level. Can you spell out what that means in dollars?

June 16, 2018 – Q. I know that whether I qualify for expanded ­Medicaid depends on how my income compares with 138 percent of the Federal Poverty Level… Read more

Can you explain the ACA cost-sharing subsidy that increases a policy’s actuarial value?

June 10, 2018 – A. Cost-sharing subsidies (otherwise known as cost-sharing reductions, or CSR for short) serve two purposes: They decrease the maximum… Read more

If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income?

If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income?

January 16, 2018 – Q. If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income? A. No. The subsidies (both premium assistance… 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?

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?

January 3, 2018 – Q. My wife and I each make about $40,000/year. If we file our taxes separately, can we each qualify for an exchange subsidy? A. No. … 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?

December 28, 2017 – 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

A row of clocks reminding woman to pay attention to enrollment deadlines

If I qualify for Medicaid, should I worry about the deadline for open enrollment?

December 10, 2017 – Q. I've heard that Medicaid enrollment is year-round. So if I qualify for Medicaid, I don't need to worry about the December 15 end of open… Read more

Should I keep my grandmothered individual health policy or switch to an ACA-compliant plan?

Should I keep my grandmothered individual health policy or switch to an ACA-compliant plan?

April 15, 2016 – Either way, you'll have to switch at the end of 2017. The most recent federal guidelines for transitional plans (issued in February 2016)… 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 3, 2015 – 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

Which exchange plan is best for me?

Which exchange plan is best for me?

October 2, 2015 – Q: Which health insurance exchange plan – Platinum, Gold, Silver or Bronze – is best for me? A: It depends on what you need.… Read more

Are there programs that help the self-employed pay for health insurance?

Are there programs that help the self-employed pay for health insurance?

May 15, 2014 – Q. Are there programs that help the self-employed pay for health insurance? A. The premium subsidies and cost-sharing subsidies built into… Read more