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Frequently-asked questions by tag

Obamacare

I live in Boston, where health care is really expensive. Are the subsidies large enough to help me buy insurance here?

I live in Wyoming, where health care is really expensive. Are the subsidies large enough to help me buy insurance here?

April 5, 2018 – Q: I live in Wyoming, where health insurance is really expensive. Will the subsidies be large enough to help me buy insurance here? A:… Read more

Man carry a large boulder and a map of the southern us states showing Medicaid expansion

What is the Medicaid ‘coverage gap’ and who does it affect?

March 1, 2018 – Q. I keep hearing about the "coverage gap" in states that are not expanding Medicaid. Can you explain what that means and who it affects?… Read more

My college offers health insurance. Can I purchase coverage through the exchange instead?

February 16, 2018 – Q. I’m a college student and my school offers health insurance. But I would rather purchase my own coverage in the exchange where I would… Read more

Can you explain the controversy around the IPAB and why it was repealed?

February 10, 2018 – Q. What is this controversy regarding the IPAB really about? Are politics involved? A. The IPAB never convened and its process was never… Read more

Regardless of where you get your health insurance, you (and the IRS) will get a tax form from your employer, insurance company, or exchange each year showing that you had coverage during the previous year.

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

January 31, 2018 – Regardless of where you get your health insurance, you (and the IRS) will get a tax form from your employer, insurance company, or exchange… Read more

I understand that subsidies come in the form of tax credits. But I’m unemployed and probably won’t owe any taxes. How would the subsidy help me?

I understand that subsidies come in the form of tax credits. But I’m unemployed and probably won’t owe any taxes. How would the subsidy help me?

January 25, 2018 – A: The premium subsidy offered through the exchanges is a tax credit, but it differs from some other tax credits in two important ways.… Read more

I’m self-employed, so my AGI is dependent on my premium

My premium subsidy is dependent on my AGI. But I’m self-employed, so my AGI is dependent on my premium. Help!

January 18, 2018 – Q. Under the ACA, my insurance premium subsidy is dependent on adjusted gross income (AGI). But, for a self-employed person, AGI is… 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

If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income?

If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income?

January 16, 2018 – Q. If I get an Obamacare subsidy in the exchange, is the subsidy amount considered income? A. No. The subsidies (both premium assistance… Read more

Baloon being blown up saying the size of your tax credit depends upon your income in the year you receive a premium subsidy

What happens if my income changes and my premium subsidy is too big? Will I have to repay it?

January 15, 2018 – If recipients end up earning more than anticipated, they could have to pay back some of the subsidy. This can catch people off guard,… Read more

Man standing in middle of multiple roads wondering what type of health exchange his state has

What type of health insurance exchange does my state have?

January 7, 2018 – Q: What type of health insurance exchange does my state have? A: As of 2018, there are 12 state-based marketplaces, five state-based… Read more

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?

January 5, 2018 – Q. What happens if I buy insurance but it doesn't meet the ACA's minimum essential coverage standards? A. With the exception of… Read more