Find a plan.
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Call our agency partners 866-553-3223

Featured

Featured
13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
Call our agency partners 866-553-3223

Frequently-asked questions by tag

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? photo

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? photo

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…

Can I buy health insurance through the exchange that’s compatible with an HSA? photo

Can I buy health insurance through the exchange that’s compatible with an HSA?

January 2, 2024 – When choosing a health plan during open enrollment or a special enrollment period, there's a less obvious form of healthcare savings you…

If my income is less than expected this year, I might be eligible for Medicaid. What can I do to cover my bases? photo

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…

Do Gold exchange plans offer more generous coverage than Bronze or Silver plans? photo

Do Gold exchange plans offer more generous coverage than Bronze or Silver plans?

June 23, 2023 – All plans (whether Bronze, Silver, Gold or Platinum) must cover the same essential benefits, including free preventive care; they all…

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours? photo

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours?

December 5, 2022 – Subsidy eligibility is based on modified adjusted gross income (MAGI). For your family, your MAGI will include income for yourself and your…

Can I purchase a Platinum policy and also get a premium subsidy? photo

Can I purchase a Platinum policy and also get a premium subsidy?

July 12, 2022 – 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…

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? photo

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? photo

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.…

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me? photo

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?

June 2, 2021 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the…