Frequently-asked questions by tag
Can I buy health insurance through the exchange that’s compatible with an HSA?
September 17, 2025 – If you enroll in a high-deductible health plan (HDHP), you’ll be eligible to fund an health savings account. HSAs let you contribute…
I’m a legal U.S. resident, but not a citizen. What are my health insurance options?
September 3, 2025 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the…
Do Gold exchange plans offer more generous coverage than Bronze or Silver plans?
February 27, 2025 – All plans (whether Bronze, Silver, Gold or Platinum) must cover the same essential benefits, including free preventive care; they all…
Can I purchase a Platinum policy and also get a premium subsidy?
December 18, 2024 – You can buy a Platinum plan and also get a premium subsidy. The size of the subsidy is based on the cost of a Silver plan, but you can…
We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours?
September 29, 2024 – Subsidy eligibility is based on modified adjusted gross income (MAGI). For your family, your MAGI will include income for yourself and your…
If I sign up for a Bronze plan during open enrollment, can I bump my coverage up to a higher level several months later if I find out that I need surgery?
February 5, 2024 – After open enrollment ends, you generally can't change your policy until the next open enrollment period, unless you experience a…
How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges?
January 18, 2024 – Fortunately, the IRS issued new rules, effective in 2023, to allow some families to take advantage of premium subsidies in the exchange if…
If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases?
November 13, 2023 – Income volatility and its impact on subsidy eligibility have been addressed by various provisions of the ACA and IRS regulations. But since…
I thought subsidies were available for anyone with incomes up to 400% of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?
July 7, 2022 – Subsidies are only provided if the unsubsidized cost of the benchmark silver plan would be considered unaffordable without the subsidy. But…
If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?
July 5, 2022 – It's important to understand that the benefits offered by plans at the same metal level can vary significantly from one plan to another.…