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

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

January 20, 2021 – 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? photo

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

January 20, 2021 – 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

Does the IRS change how much I’ll have to pay for my health insurance each year? photo

Does the IRS change how much I’ll have to pay for my health insurance each year?

January 15, 2021 – Q. I've seen that the percentage of income I have to pay for my health insurance seems to change each year, based on IRS guidance. Does… 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? photo

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?

April 7, 2020 – 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

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

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

January 25, 2020 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the… Read more

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours? photo

We claim our son, but not our daughter, on our taxes. How are premium subsidies calculated for families like ours?

November 3, 2019 – 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