Frequently-asked questions by tag

health insurance marketplace

Is pediatric dental coverage included in exchange plans?

Is pediatric dental coverage included in exchange plans?

April 30, 2018 – 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

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

My parents are 68, but recently moved to the U.S., so they don’t qualify for Medicare. Can they buy insurance in the exchange?

My parents are 68, but recently moved to the U.S., so they don’t qualify for Medicare. Can they buy insurance in the exchange?

January 30, 2018 – Q. My parents moved to the United States last year. They have been using a travel health insurance policy, but it will expire soon. They… Read more

If I have insurance through my employer, can my spouse get coverage through the exchange?

If I have insurance through my employer, can my spouse get coverage through the exchange?

January 21, 2018 – Q. I have insurance, with a small fee, through my employer. However, my husband is unemployed and to cover him on my insurance is almost… Read more

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?

January 12, 2018 – 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

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

We’re moving 50 miles, but staying in the same state. Is that a qualifying event?

January 7, 2018 – Q. We have a health insurance policy through our state exchange. We're moving in July, but only about 50 miles away, and we're staying in… 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?

January 4, 2018 – 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

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

January 3, 2018 – A. You're correct that your household income is under the cutoff for subsidy eligibility, which will be $113,760 for a family of five when… Read more