Frequently-asked questions by tag

Silver plan

What is the ACA’s catastrophic plan and who is eligible?

What is the ACA’s catastrophic plan and who is eligible?

July 14, 2019 – The catastrophic plan is available to people under age 30, or people 30 and older who qualify for a hardship exemption from the ACA's… Read more

A girl with a puzzled look on her face wondering how much the IRS will charge her for health insurance

Is the IRS changing how much I’ll have to pay for my health insurance next year?

November 26, 2018 – Q. I saw that the percentage of income I have to pay for my health insurance is higher for 2019, after decreasing for 2018. Is the IRS… Read more

Can you explain the ACA cost-sharing subsidy that increases a policy’s actuarial value?

June 10, 2018 – A. Cost-sharing subsidies (otherwise known as cost-sharing reductions, or CSR for short) serve two purposes: They decrease the maximum… Read more

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?

I’m a legal U.S. resident, but not a citizen. My job doesn’t offer health benefits. Can the ACA help me?

January 27, 2018 – Q: I'm a legal resident in the United States, but not a citizen. My job doesn't offer health insurance, and I haven't been able to afford… 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 thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

I thought subsidies were available for anyone with incomes up to 400 percent of poverty level, but the calculators I’ve used say our family doesn’t qualify. Why?

January 7, 2018 – Q. Our family of three has an income of $62,000 (just over 300 percent of poverty level). I thought that subsidies were available for… Read more

If silver plans cover the same benefits, why do premiums vary?

If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?

August 10, 2016 – Q. If all of the Silver plans in an exchange must offer the same benefits, and cover 70 percent of the cost of those benefits, why do… Read more

Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans?

Do ‘Gold’ exchange plans offer more generous coverage than Bronze or Silver plans?

June 20, 2016 – Q. I have read that the Gold plans sold in the exchanges offer more generous coverage. What exactly does a Gold plan cover that isn't… Read more

I enrolled through the exchange and I’m happy with my coverage. Do I have to go through that again, or can I just let my plan renew?

I enrolled through the exchange and I’m happy with my coverage. Do I have to go through that again, or can I just let my plan renew?

February 1, 2016 – Q. I enrolled in a plan through the exchange during the last open enrollment, and I’m happy with my coverage. Can I just keep my current… Read more