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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured

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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
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Frequently-asked questions by tag

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 29, 2024 – From 2015 through 2021, the IRS did make an annual change — usually quite small — to the percentage of income that you have to pay for…

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?

June 23, 2023 – All plans (whether Bronze, Silver, Gold or Platinum) must cover the same essential benefits, including free preventive care; they all…

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?

December 5, 2022 – Subsidy eligibility is based on modified adjusted gross income (MAGI). For your family, your MAGI will include income for yourself and your…

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

July 7, 2022 – Subsidies are only provided if the unsubsidized cost of the benchmark silver plan would be considered unaffordable without the subsidy. But…

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?

July 5, 2022 – It's important to understand that the benefits offered by plans at the same metal level can vary significantly from one plan to another.…

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?

June 2, 2021 – Legal U.S. residents have the same eligibility as citizens to receive subsidies for health insurance purchased in the…