Frequently-asked questions by tag

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?

October 26, 2020 – 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

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?

October 26, 2020 – 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

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?

October 26, 2020 – 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

What are off-exchange health plans?

What are off-exchange health insurance plans and how are they regulated?

October 21, 2020 – An off-exchange plan is a health insurance policy that is purchased directly from an insurance company or through an agent or broker,… Read more

Should you auto-renew your health plan?

Should I let my individual health insurance plan automatically renew?

October 21, 2020 – If you have a health plan in the individual market, on-exchange or off-exchange, you can probably just let it renew for the coming year… 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?

August 14, 2020 – 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

The Affordable Care Act’s premium subsidies are tax credits that can be taken in advance and paid to your health insurer throughout the year, but you also have the option to claim the entire amount on your tax return.

Should I take my ACA premium subsidy during the plan year – or claim it at tax time?

August 12, 2020 – The Affordable Care Act’s premium subsidies are tax credits that can be taken in advance and paid to your health insurer throughout the… 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?

August 12, 2020 – Q. I'll start college soon and I’m trying to decide whether I would be better off enrolling in the plan my college offers, buying my own… 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?

July 12, 2020 – 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?

June 13, 2020 – 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

Common questions on buying health insurance.

How does my access to employer-sponsored coverage impact my eligibility for subsidized coverage through the exchanges?

June 3, 2020 – A. You're correct that your household income is within the subsidy eligibility range. However, subsidy eligibility is also determined by… Read more

Common questions on buying health insurance.

We’re in a same-sex civil union. Should we calculate our subsidy as a household of two, or apply separately?

May 13, 2020 – Q. My partner and I are in a same-sex civil union. For subsidy calculation, does the exchange count our income together as a household of… Read more