Frequently-asked questions by tag

I earn too much to qualify for a subsidy. Why should I buy through an exchange?

I earn too much to qualify for a subsidy. Why should I buy through an exchange?

October 26, 2020 – And it's important to note that if initially pick an off-exchange plan, you won't be eligible to switch to an exchange plan until the next… 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

If I enroll in the exchange, will that coverage take effect immediately?

If I enroll in the exchange, will that coverage take effect immediately?

August 14, 2020 – Q: If I enroll in the exchanges, will that coverage take effect immediately? What's the earliest my coverage will take effect after I… Read more

If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery?

August 12, 2020 – Q: If I sign up for a bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out… 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?

August 12, 2020 – Q. I'll start college soon and I’m trying to decide whether I would be better off enrolling in the plan my college offers, buying my own… Read more

Man running with laptop through a background of clocks

If I don’t enroll in a plan by the open enrollment deadline, what are my options?

August 12, 2020 – Q. If I don't enroll in a health insurance plan by the end of open enrollment (December 15), what options will I have? A. In most cases,… Read more

I’ve heard a lot about health insurance exchanges, but what are SHOP exchanges?

Can small businesses use the ACA’s health insurance marketplaces (exchanges)?

August 12, 2020 – Q. Can small businesses use the ACA’s health insurance marketplaces (exchanges)? A. The Affordable Care Act included an enrollment… Read more

If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases?

If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases?

June 17, 2020 – Q: I'm self-employed, so my income varies from one year to the next. I enrolled through the exchange and projected an income that makes me… Read more

Are child-only policies available through the exchanges?

Are child-only policies available through the exchanges?

June 15, 2020 – You can purchase a child-only policy for your daughter, either in the exchange or off-exchange. If you qualify for a subsidy to help pay… Read more

Common questions on buying health insurance.

How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges?

June 3, 2020 – A. You're correct that your household income is within the subsidy eligibility range. However, subsidy eligibility is also determined by… 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