Frequently-asked questions by tag

premium subsidies

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

With my income, I’m barely over the eligibility limit for a premium subsidy. Is there anything I can do to lower my income so I become eligible?

December 17, 2018 – Q. With my current income, I am not eligible for a premium subsidy – but I'm just barely over the limit. Is there anything I can do to… 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

My wife and I each make about $40,000 a year. If we file our taxes separately, can we each qualify for an exchange subsidy?

Do ACA-compliant health insurance plans cover abortion?

November 14, 2018 – Q. Do health insurance plans in ACA's exchanges cover abortion? A. Some do, and some don't. They are not required to, and in some states,… 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

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?

June 20, 2018 – 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

My eligibility for Medicaid depends on how my income compares to the Federal Poverty Level. Can you spell out what that means in dollars?

My eligibility for Medicaid depends on how my income compares to 138 percent of the Federal Poverty Level. Can you spell out what that means in dollars?

June 16, 2018 – Q. I know that whether I qualify for expanded ­Medicaid depends on how my income compares with 138 percent of the Federal Poverty Level… Read more

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

Can health insurance policies still have lifetime benefit maximums? What about annual benefit maximums?

February 23, 2018 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… 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

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

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