Frequently-asked questions by tag

health insurance exchange

Is everyone who makes too much for ACA subsidies going to see big premium increases?

How do premium changes for 2020 differ for people who get subsidies versus those who don’t?

November 13, 2019 – Q. I'm seeing a lot of headlines about big health insurance rate increases coming in 2017. I know that people with incomes under 400… Read more

Is pediatric dental coverage included in exchange plans?

Is pediatric dental coverage included in exchange plans?

November 10, 2019 – Q: Can you explain the requirements for pediatric dental coverage? I've read that it's an essential health benefit that has to be covered… 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

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?

October 15, 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

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?

October 15, 2019 – 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

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 8, 2019 – 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

We get health insurance through my job, but the coverage isn’t very good. Can I enroll in an exchange plan instead, and get a subsidy to help pay for it?

October 8, 2019 – Just about anyone can enroll in an exchange plan. But eligibility for a subsidy depends on how much your group plan costs and the quality… 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?

September 23, 2019 – 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

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

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

April 16, 2019 – Q. Can small businesses use the ACA’s health insurance marketplaces (exchanges)? A. The Affordable Care Act included an enrollment… Read more

Are visits to the chiropractor or physical therapist covered under the Affordable Care Act?

Are visits to the chiropractor or physical therapist covered under the Affordable Care Act?

February 6, 2019 – Q. Are visits to the chiropractor or physical therapist covered under the Affordable Care Act? A. All ACA-compliant individual and small… 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, 2019 – 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