Frequently-asked questions by tag

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

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

May 10, 2020 – Q. With my current income, I am not eligible for a premium subsidy – but I'm just barely over the limit. Is there anything I can do to… Read more

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

April 7, 2020 – Q. Our family of three has an income of $62,000 (just over 300 percent of poverty level). I thought that subsidies were available for… Read more

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?

January 25, 2020 – Q: I'm a legal resident in the United States, but not a citizen. My job doesn't offer health insurance, and I haven't been able to afford… 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

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 medical plan?

Were individual-market health plans less expensive before Obamacare?

October 28, 2019 – 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… Read more

Should I buy the health plan my college offers? or buy through an ACA exchange?

Should I buy the health plan my college offers? or buy through an ACA exchange?

October 18, 2019 – Q. Next year, I start college and I’m trying to decide whether I would be better off enrolling in the plan my college offers, buying my… Read more

Under what circumstances might I have to repay my ACA subsidy?

August 26, 2019 – Most people who are eligible for a health insurance subsidy claim that money in advance. But be careful when going that… Read more

A girl with a puzzled look on her face wondering how much the IRS will charge her for health insurance

Is the IRS changing how much I’ll have to pay for my health insurance next year?

August 14, 2019 – Q. I saw that the percentage of income I have to pay for my health insurance is lower for 2020, after decreasing for 2018 and then… Read more

Would my 21-year-old’s subsidy be based on his income – or mine?

Would my 21-year-old’s subsidy be based on his income – or mine?

May 14, 2019 – Q. My 21-year-old son is in college. I know he could stay on my employer's plan until he is 26. But he might be able to get better coverage… Read more

I earn just $22,000 a year. How can I afford the out-of-pocket costs of health insurance?

I earn just $22,000 a year. How can I afford the out-of-pocket costs of health insurance?

January 14, 2019 – Q. I'll turn 26 soon, and will lose access to coverage under my parents' health plan. I understand that I am expected to buy insurance,… Read more