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Frequently-asked questions by tag

premium subsidies

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

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

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?

January 13, 2018 – 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

I earn too much to qualify for a subsidy. Why should I buy through an exchange?

I earn too much to qualify for a subsidy. Why should I buy through an exchange?

January 12, 2018 – And it's important to note that if initially pick an off-exchange plan, you won't be eligible to switch to an exchange plan until the next… Read more

Will every business with more than 50 employees pay a penalty if they don’t offer ‘affordable, comprehensive’ insurance?

Does every business with 50 or more employees pay a penalty if it doesn’t offer ‘affordable, comprehensive’ insurance?

January 9, 2018 – Q. Does every business with more than 50 employees pay a penalty if they don’t offer "affordable, comprehensive" insurance? A.… 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

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?

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?

January 3, 2018 – Q. My wife and I each make about $40,000/year. If we file our taxes separately, can we each qualify for an exchange subsidy? A. No. … Read more

If an individual pays for an exchange plan, how do they pay for the premium pre-tax as would someone with an employer plan?

If an individual pays for an exchange plan, how do they pay for the premium pre-tax as would someone with an employer plan?

January 2, 2018 – Q. If an individual pays for an exchange plan, how do they pay for the premium pre-tax as would someone with an employer plan?… Read more

A row of clocks reminding woman to pay attention to enrollment deadlines

If I qualify for Medicaid, should I worry about the deadline for open enrollment?

December 10, 2017 – Q. I've heard that Medicaid enrollment is year-round. So if I qualify for Medicaid, I don't need to worry about the December 15 end of open… Read more