Frequently-asked questions by tag

health insurance exchange

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

Are child-only policies available through the exchanges?

Are child-only policies available through the exchanges?

December 15, 2018 – 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

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

My eligibility for Medicaid depends on how my income compares to the Federal Poverty Level. Can you spell out what that means in dollars?

My eligibility for Medicaid depends on how my income compares to 138 percent of the Federal Poverty Level. Can you spell out what that means in dollars?

June 16, 2018 – Q. I know that whether I qualify for expanded ­Medicaid depends on how my income compares with 138 percent of the Federal Poverty Level… Read more

I’m 24. How do I choose between coverage from my father’s plan and an exchange plan?

April 26, 2018 – If you have a choice of getting your health coverage from your parent's employer or buying your own plan through the exchange instead,… Read more

Can health insurance policies still have lifetime benefit maximums? What about annual benefit maximums?

February 23, 2018 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… Read more

I am on Medicare and Social Security. My wife is self employed and needs insurance from the state exchange. How do we figure our household income?

February 5, 2018 – Q: I am on Medicare and Social Security, my wife recently became self-employed and needs insurance from the state exchange. How do we… Read more

I’m 60 and retired. I can get insurance from my former employer but it’s very expensive. Do I qualify for insurance under the exchanges?

I’m 60 and retired. I can get insurance from my former employer but it’s very expensive. Do I qualify for insurance under the exchanges?

February 3, 2018 – But for retirees, the guidelines are more relaxed. Retirees who have access to a plan that provides minimum essential coverage can still… Read more

I am a 21-year-old dependent living with my parents. I have no wife or kids, so do I apply for health insurance as a household of one and list only my own income? Or do I have to be on my parents’ insurance?

I am a 21-year-old dependent living with my parents. I have no wife or kids, so do I apply for health insurance as a household of one and list only my own income? Or do I have to be on my parents’ insurance?

February 1, 2018 – Q. I am a 21-year-old dependent living with my parents. I have no wife or kids, so do I apply for health insurance as a household of one… Read more