Health insurance FAQs

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Frequently-asked questions by tag

individual mandate

What are the ACA’s enrollment periods and when can I enroll outside of the open enrollment period? Read answer

Can the government enforce Obamacare penalties?

Is it true that government can’t really enforce the penalty for not having health insurance? Read answer

If the IRS doesn’t owe me a refund, how does it enforce the individual mandate penalty?

If the IRS doesn’t owe me a refund, how does it enforce the individual mandate penalty? Read answer

Q: I heard that the IRS isn't going to enforce the Affordable Care Act's penalty for 2016 tax returns. Is that true? A: No. Everything about the Affordable Care Act's penalty enforcement is the same as it was for 2014 and 2015 – although the penalty amount is significantly higher for people who were uninsured in 2016.

Does the president’s executive order mean the IRS won’t enforce the individual mandate penalty? Read answer

I have insurance through my husband’s employer, so I don’t need my employer’s coverage. But my company said I have to work fewer than 30 hours a week so that I’m not considered full time. Can I just waive my employer’s coverage if they let me work full time? Read answer

Is there a minimum age for Obamacare's individual mandate?

Is there a minimum age for Obamacare’s individual mandate? Read answer

Will the IRS use my tax dollars to pay my ACA penalty?

If I owe income tax and the ACA penalty but don’t plan to pay the ACA penalty, will the IRS apply my payment to my penalty or to my income tax? Read answer

Who is keeping track of whether I buy health insurance through the exchanges?

Who is keeping track of whether I buy health insurance through the exchanges? Read answer

uninsured-penalty

If I pay the tax for not purchasing health insurance, does that buy me an insurance policy? Read answer

When I file my taxes, my preparer asks me if I have health insurance. How is that any of their business?

When I file my taxes, my preparer asks me if I have health insurance. How is that any of their business? Read answer

Is the individual mandate based on the honor system?

Is the Obamacare individual mandate just based on the honor system? Read answer

I know the individual mandate permits a short gap in coverage of less than three months per year. What if I’m uninsured for the last two months of 2015 and first two months of 2016? Read answer

What happens if I buy insurance but it doesn’t meet ACA’s minimum essential benefits standards?

What happens if I buy insurance but it doesn’t meet ACA’s minimum essential benefits standards? Read answer

Both in and out of the exchanges, Obamacare protects you.

If I say ‘No!’ to Obamacare and buy my coverage outside of the exchanges, will I have to pay a penalty if the benefits don’t meet Obamacare’s standards? Read answer

Is it true that Obamacare’s preventive care mandates only help women? Read answer

What happens if I don’t buy health insurance after 2014?

What happens if I don’t buy health insurance after 2014? Read answer

I  work at a large corporation that offers health insurance, but it’s expensive and I don’t feel I need it. Under Obamacare, will my company force me to sign up?

I work at a large corporation that offers health insurance, but it’s expensive and I don’t feel I need it. Under Obamacare, will my company force me to sign up? Read answer

If I decide to gamble and go without insurance, isn’t that my business?

If I decide to gamble and go without insurance, isn’t that my business? Read answer