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Frequently-asked questions by tag

premium subsidies

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?

November 16, 2017 – 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

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

September 24, 2017 – Q.  Can health insurance policies still have lifetime benefit maximums?  What about annual benefit maximums? A.  All new individual… 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?

May 16, 2017 – 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

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?

March 29, 2017 – 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

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?

January 31, 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 January 31 end of open… 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?

December 30, 2016 – 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

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?

August 30, 2016 – 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

Does the Affordable Care Act make it easier to get individual health insurance?

Does the Affordable Care Act make it easier to get individual health insurance?

June 18, 2016 – Q: Does the Affordable Care Act make it easier to get individual health insurance? A: Yes, in several ways, it's easier to get… Read more

I’m self-employed and am hiring employees. Under Obamacare, am I obligated to provide health insurance for them?

I’m self-employed and am hiring employees. Under Obamacare, am I obligated to provide health insurance for them?

June 16, 2016 – Q. I'm self-employed and am hiring some employees. Under Obamacare, am I obligated to provide health insurance for them? A. No, unless… Read more

Should I buy the health plan my college offers? or buy through an ACA exchange?

Should I buy the health plan my college offers? or buy through an ACA exchange?

May 31, 2016 – Q. Next year, I start college and I’m trying to decide whether I would be better off enrolling in the plan my college offers, buying my… 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?

May 12, 2016 – 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

How do I tell whether I’m eligible for Medicaid or subsidized coverage through my state’s exchange?

How do I tell whether I’m eligible for Medicaid or subsidized coverage through my state’s exchange?

May 10, 2016 – Q: How do I tell whether I'm eligible for expanded Medicaid or a private plan in the exchange? A: When you enroll in the exchange,… Read more