Frequently-asked questions by tag

metal plans

When choosing a health plan during open enrollment, there's a less obvious form of healthcare savings you might reap – depending on the plan you choose: the tax savings associated with a health savings account (HSA).

Can I buy health insurance that’s compatible with an HSA during open enrollment?

November 18, 2019 – When choosing a health plan during open enrollment, there's a less obvious form of healthcare savings you might reap – depending on the… Read more

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

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

November 3, 2019 – Q. My husband and I have two children. We claim our son on our taxes; he's in high school, lives at home and has a part-time job. Our 23… Read more

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

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

October 15, 2019 – Q: I'm self-employed, so my income varies from one year to the next. I enrolled through the exchange and projected an income that makes me… Read more

What is the ACA’s catastrophic plan and who is eligible?

What is the ACA’s catastrophic plan and who is eligible?

September 3, 2019 – ACA's catastrophic plan is available to people under age 30 – or people 30 and older who qualify for a hardship exemption from the ACA's… Read more

Can you explain the ACA cost-sharing subsidy that increases a policy’s actuarial value?

June 10, 2018 – A. Cost-sharing subsidies (otherwise known as cost-sharing reductions, or CSR for short) serve two purposes: They decrease the maximum… Read more

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

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

January 27, 2018 – Q: I'm a legal resident in the United States, but not a citizen. My job doesn't offer health insurance, and I haven't been able to afford… Read more

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

January 16, 2018 – Q: I’ve heard that the ACA's premium subsidies will only help a person buy a Silver plan which pays for just 70 percent of average… Read more

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

January 7, 2018 – Q. Our family of three has an income of $62,000 (just over 300 percent of poverty level). I thought that subsidies were available for… 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

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?

December 28, 2017 – Q: 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… Read more

My health plan is being terminated on December 31. Does that mean I’m exempt from the ACA’s individual mandate?

My health plan was terminated because it didn’t comply with the ACA. Does that mean I’m exempt from the individual mandate?

December 26, 2017 – Q: My health insurance carrier has informed me that my policy is being terminated on December 31. I’ve heard that I’m therefore exempt… Read more

If silver plans cover the same benefits, why do premiums vary?

If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?

August 10, 2016 – Q. If all of the Silver plans in an exchange must offer the same benefits, and cover 70 percent of the cost of those benefits, why do… Read more