Frequently-asked questions by tag

Obamacare

Will my father’s premiums go up if I get coverage through his plan instead of my university’s plan?

January 25, 2020 – Q. I’m 24 and a graduate student. I can get health coverage through my university, but my father has an excellent plan at work, and he… 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 25, 2020 – 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

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

January 20, 2020 – 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 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 20, 2020 – 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

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 coverage standards?

January 20, 2020 – With the exception of short-term health insurance and other non-ACA-regulated plans, all individual health insurance policies sold since… 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?

December 30, 2019 – 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

A family of four in cold weather gear asking about subsidies that are available through the exchange

We’re a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges?

November 12, 2019 – Q. We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the… 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?

October 8, 2019 – Q: What type of health insurance exchange does my state have? A: As of the 2020 plan year (starting with enrollment in the fall of 2019),… Read more

Who ISN’T eligible for Obamacare’s premium subsidies?

June 1, 2019 – Q. Obamacare advocates frequently talk about how most exchange enrollees qualify for government subsidies. But who is left out? Aren't… Read more

Woman at computer with boss pointing trying to figure out if she can buy own insurance instead of employer plan

My employer offers insurance, but I think it’s too expensive. Can I apply for a subsidy to help me buy my own insurance?

December 16, 2018 – Q: My employer offers insurance, but I think it's too expensive. Can I apply for a subsidy to help me buy my own insurance? A: Probably… Read more

If I have access to health insurance, can my husband’s company deny me coverage?

If I have access to health insurance, can my husband’s company deny me coverage?

December 15, 2018 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. But… 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?

November 13, 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