Frequently-asked questions by tag

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)?

January 1, 2020 – Q. Can small businesses use the ACA’s health insurance marketplaces (exchanges)? A. The Affordable Care Act included an enrollment… 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

woman with rope tied around large clock to prevent premium grace period time running out

What happens if I don’t make my premium payment by the end of the grace period?

December 27, 2019 – Q. What happens if I don’t make my premium payment by the end of the grace period?A: If you fail to pay your premiums and exhaust the… 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

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

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

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

How is vision care covered under Obamacare?

How is vision care covered under Obamacare?

December 18, 2018 – Q: How is vision care covered under the Affordable Care Act? A: The Affordable Care Act requires coverage for pediatric vision care as one… Read more

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know?

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know?

December 17, 2018 – Q. If I decline by employer-sponsored health plan and apply through the exchange instead - and try to get a premium subsidy - would the… Read more

If I have access to health insurance, can my husband’s company deny me coverage?

If I have access to health insurance, can my husband’s company deny me coverage?

December 15, 2018 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. But… 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 1, 2018 – 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