A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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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
Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Who ISN’T eligible for Obamacare’s premium subsidies?

Who's not eligible for Obamacare premium subsidies?

Q. Most Marketplace/exchange enrollees qualify for premium tax credits (premium subsidies), but not all. Can you explain what would make a person ineligible for Marketplace subsidies?

Obamacare subsidy calculator *

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Add ages of other family members to be insured.

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Include yourself, your spouse, and children claimed as dependents on your taxes.

4

Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).

Estimated annual subsidy

$0

Provide information above to get an estimate.

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A. You aren’t eligible for the ACA’s federal subsidies to help cover health insurance premiums if:


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Footnotes

  1. Revenue Procedure 2023-29. Internal Revenue Service. Accessed January 2024. 
  2. Medicare and the Marketplace, Master FAQ. Centers for Medicare and Medicaid Services. Accessed November 2023. 
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