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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cost-sharing subsidy

What is a cost-sharing subsidy?

healthinsurance.org health insurance glossary

A cost-sharing subsidy – also known as a cost-sharing reduction (CSR) – is a provision of the Affordable Care Act that allows people with modest incomes (up to 250% of the prior year’s federal poverty level), to enroll in Silver-level health plans that have more robust benefits than a normal Silver plan.

The federal government used to pay insurers directly for the cost of providing cost-sharing subsidies, but that ended in late 2017. Since then, insurers have added the cost of this benefit to the premiums they charge, but they mostly add it only to the cost of Silver plans. This results in larger premium subsidies (which most enrollees receive) and has made coverage more affordable for most people in most areas.

Read more about CSRs.

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