Frequently-asked questions by tag
How can American Indians and Alaska Natives get coverage under the ACA? Are there specific plan options for them?
March 29, 2024 – American Indians and Alaska Natives (AI/AN) benefit from the Affordable Care Act’s (ACA) expanded coverage. Most American Indians/Alaska…
Should I buy the health plan my college offers? or buy through an ACA exchange?
March 23, 2024 – Most student health plans offered by colleges and universities are fully compliant with the ACA, with just a few exceptions that don't…
How might my tax deductions affect the size of my ACA premium subsidy?
March 22, 2024 – Learn how you might be missing out on deductions and tax breaks that would lower your income for ACA purposes, which could result in larger…
If your income last year was higher than expected, do you have to pay back some of the advance premium tax credits that you received for Marketplace coverage?
February 9, 2024 – If you received advance payments of the premium tax credit for health insurance that you purchased last year on HealthCare.gov (or a…
Does the IRS change how much I’ll have to pay for my health insurance each year?
January 29, 2024 – From 2015 through 2021, the IRS did make an annual change — usually quite small — to the percentage of income that you have to pay for…
I earn just $22,000 a year. How can I afford the out-of-pocket costs of health insurance?
March 2, 2023 – It’s true that deductibles and out-of-pocket maximums on Bronze plans are quite high. For 2023, the maximum out-of-pocket (OOP) allowed…
We’re a family of four with an income of $50,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges?
February 28, 2023 – The government offers two types of subsidies for people who buy their own insurance in the state’s marketplaces (a.k.a. health insurance…
I thought subsidies were available for anyone with incomes up to 400% of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?
July 7, 2022 – Subsidies are only provided if the unsubsidized cost of the benchmark silver plan would be considered unaffordable without the subsidy. But…
Would my 21-year-old’s subsidy be based on his income – or mine?
April 26, 2022 – If you declare him as a dependent on your income tax, then your income would be included in determining whether he gets a…
Were individual-market health plans less expensive before Obamacare?
July 31, 2021 – A 35-year-old says that before the ACA, his health insurance premiums were $150 a month with a $50 deductible. But did he have a true major…
I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?
June 2, 2021 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the…
If someone decides to not buy health insurance and is injured in accident, what happens?
January 22, 2021 – When a patient arrives at the emergency room and is uninsured and unable to pay for his care, staff there are required by law only to…