The Affordable Care Act and you

A look at your coverage options and how you can choose wisely

If you missed Obamacare's open enrollment, you still have options.

Miss open enrollment? You’ve got…

June 29, 2017 – Open enrollment for 2018 will run from November 1, 2017 to December 15, 2017. Outside of those dates, enrollment on and off the exchange is… Read more

Qualifying events that can get you…

April 18, 2017 – Even if you missed the general open enrollment, you could still have an opportunity to enroll in an ACA-compliant plan this year if you… Read more

All about Obamacare's cost-sharing subsidies

The ACA’s cost-sharing subsidies

April 11, 2017 – While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce… Read more

Obamacare penalty calculator

Will you owe a penalty under…

April 3, 2017 – If you decide not to purchase coverage and remain uninsured, you can use the calculator on this page to determine the size of the penalty… Read more

Self-employed health insurance…

April 3, 2017 – It's important for the self-employed to know all the ways they can save a few dollars here and there. One obvious place to look is on their… Read more

How immigrants are getting health…

January 18, 2017 – Let’s take a look at the health insurance options for immigrants, and how they’ve changed – or haven’t changed – under the… Read more

2017 Obamacare subsidy calculator

January 9, 2017 – An impressive 85 percent of Americans shopping in the exchanges receive subsidies. If you're worried about the cost of premiums, use our… Read more

The consumer protections in the ACA apply to all new individual policies, regardless of whether the coverage is sold in the exchange / marketplace.

Should you look outside the ACA’s…

January 3, 2017 – The consumer protections in the ACA apply to all new individual policies, regardless of whether the coverage is sold in the exchange /… Read more

Will you receive an Obamacare premium subsidy?

Will you receive an Obamacare premium…

January 1, 2017 – 2017 is the fourth year that Obamacare subsidies have been available, and awareness of the law's premium tax credits (subsidies) continues… Read more

CO-OP health plans: patients’…

December 22, 2016 – As of December 2016, only five of the original 23 CO-OPs were still offering coverage. It's too soon to know how they will ultimately fare,… Read more

Buying health insurance if you are self-employed.

Health insurance gains for the…

December 12, 2016 – The self-employed have historically faced a set of unique challenges in finding and keeping health insurance. But the Affordable Care Act… Read more

Health insurance and high-risk pools

November 14, 2016 – Now that the consumer protections in the ACA have been fully implemented, risk pools are no longer necessary the way they were in the past.… Read more

Beware Obamacare’s ‘subsidy cliff’

October 17, 2016 – If you're facing a subsidy cliff, you may want to talk with an accountant to see if there's anything you can do to lower your modified… Read more

Can you count on your Obamacare subsidy?

Can you count on your Obamacare…

September 15, 2016 – So let's revisit the question: Can you count on your Obamacare subsidies? In short, yes. Regardless of what you've heard about Obamcare —… Read more

How to avoid the surprise of health…

August 19, 2016 – If you don't return to the exchange to select your coverage for 2017, you could be in for an alarming surprise: an entirely different plan… Read more

Individual health insurance under…

August 18, 2016 – If you are self employed, or if your employer does not offer health insurance, you'll likely turn to the private market to purchase an… Read more

Alternatives to COBRA under Obamacare

Do you still need COBRA health…

August 18, 2016 – The combination of COBRA and the ACA present a solid array of options for people who are losing their employer-sponsored health insurance.… Read more

What qualifies as an exemption from the Obamacare penalty?

Obamacare penalty exemptions

August 18, 2016 – According to the IRS, 7.9 million tax filers were subject to the penalty for being uninsured in 2014, but 12.4 million were able to claim… Read more

Obamacare no family left behind

No family left behind by Obamacare

August 18, 2016 – Somewhere between two million and four million people are impacted by the family glitch. They are disproportionately lower-income, because… Read more is the official federal exchange.

The federal exchange option

August 16, 2016 – By March 2016, effectuated enrollment across the 38 states using the enrollment platform stood at 8.4 million people. And 85… Read more

The ACA provides essential benefits.

Obamacare’s essential health benefits

August 16, 2016 – Since 2014, all individual health insurance sold in and out of the ACA's exchanges – whether to individuals or to small firms with fewer… Read more

How Obamacare improves maternity coverage

How Obamacare changed maternity…

August 16, 2016 – Before the ACA made coverage guaranteed issue, pregnancy itself was considered a pre-existing condition that would prevent an expectant… Read more

For healthy individuals in the coverage gap, one of the most obvious options is short-term health insurance. If you’re eligible, a short-term plan can be much less expensive than an ACA-compliant plan, and for the duration of the plan, it provides coverage that’s similar to what was available in the individual market prior to 2014.

Is it possible to escape the coverage…

August 15, 2016 – For healthy individuals in the coverage gap, one of the most obvious options is short-term health insurance. If you’re eligible, a… Read more

What happens to individual health insurance coverage when a policyholder moves to a new state? The answer depends on the carrier, and on each state.

How to keep your health insurance when…

July 15, 2016 – What happens to individual health insurance coverage when a policyholder moves to a new state? The answer depends on the carrier, and on… Read more

Obamacare and university and college students

Student health insurance: required…

June 2, 2016 – Clearly, students have a lot more coverage options as a result of the ACA. But how do you decide which option is… Read more

How SHOP exchanges help small business under Obamacare

How SHOP exchanges help small…

February 10, 2016 – The unprecedented advantages offered by ACA's SHOP exchanges truly make the law a game changer when it comes to making small businesses… Read more

Obamacare returns billions to American consumers.

Medical loss ratio returns $2.4B to…

January 27, 2016 – Thanks to the ACA's medical loss ratio (MLR), authored by Minnesota's Sen. Al Franken, health insurance companies were required to pay $332… Read more

ACA Basic Health Program

Affordable Care Act’s Basic Health…

November 18, 2015 – The Basic Health Program was originally scheduled to begin January 1, 2014, but was postponed until 2015. And so far, only two states have… Read more

Obamcare means goodbye to 'job lock.' No one has to be stuck in a dead-end job just to keep their health insurance. Thanks to the ACA, anyone can enroll in coverage through the health insurance marketplace within 60 days of losing health insurance coverage, even if they leave their job by choice.

How Obamacare’s breaking the bonds of…

September 14, 2015 – No one has to be stuck in a dead-end job just to keep their health insurance. Thanks to the ACA, anyone can enroll in coverage through the… Read more

Don't get taken by con artists misrepresenting health policies.

Avoid scams while shopping for…

August 27, 2015 – The ACA was signed into law in 2010, and almost immediately, scammers began looking for ways to make a quick… Read more

Obamacare makes same sex marriage a qualifying event

Marriage equality delivers equal…

July 16, 2015 – One more reason to celebrate: Getting married is now a qualifying life event for same-sex… Read more

Obamacare takes huge steps toward LGBT…

June 26, 2015 – "In states without non-discrimination policies, the Affordable Care Act is your non-discrimination protection. It means LGBT people can't… Read more

health insurance for college graduates

How to keep health coverage after…

June 10, 2015 – Even with graduation behind them, many college grads still have valuable lessons to learn about being a grown-up – and one of them is how… Read more

Penalties for not buying health insurance, ACA

The Obamacare penalty: facts and…

February 6, 2015 – Louise Norris talks with Andrew Sprung about the penalty consumers might face if they do not adhere to the Affordable Care Act’s… Read more

Should you keep that old grandmother health plan?

Grandmothered plans: love ’em or leave…

January 28, 2015 – Louise Norris explains grandmothered health plans: how they differ from grandfathered health plans, which states allow you to renew your… Read more

In addition to premium subsidies, Obamacare offers cost-sharing subsidies.

Desperately seeking cost-sharing…

December 18, 2014 – In this segment, Louise Norris and fellow contributor Andrew Sprung explain the value of cost-sharing reduction (CSR)… Read more

Should you re-enroll in your Obamacare plan?

A look at Obamacare plan renewal…

December 12, 2014 – As part of our continuing coverage of the 2014-2015 Obamacare open enrollment period, we recently published a 38-page eBook, The Insider's… Read more

Would anyone choose a bronze plan?

For whom the (Bronze) bell tolls

November 21, 2014 – Does it in fact make sense for anyone to buy a Bronze plan? A plan with a $5,000 or $6,000 deductible may save a person with at least… Read more

What you don't know about health insurance can cost you.

What you don’t know can’t help you…

October 29, 2014 – Open enrollment starts on November 15, but 89 percent of uninsured Americans don’t know that. Two-thirds of the uninsured population… Read more

Women get important health protections with Obamacare.

Women and health insurance

July 25, 2014 – For women in the US, health insurance has come a very long way in the last few years, thanks in large part to the dramatic improvements and… Read more

Do you need a separate cancer policy with cancer on the rise?

Will you need a cancer insurance…

July 18, 2014 – While the Affordable Care Act has greatly expanded coverage for millions of Americans – people with cancer cannot be denied coverage or… Read more

Getting the most out of your Obamacare policy

Getting the most from your new…

January 11, 2014 – The media have focused on the cost of the monthly premium. How much would you contribute per month on the various plans and would you get a… Read more

How to compare health insurance carriers.

Evaluating health insurance companies

October 1, 2013 – Before you start seeking health insurance quotes, it's prudent to take a look at the health insurance companies and their potential service… Read more

The difference between public health care exchanges, private, and the SHOP exchange.

Know your health insurance exchanges

September 23, 2013 – The ACA-created health insurance exchanges will be up and running in days, and while anticipation is running high, so is confusion. If… Read more

Obamacare health insurance marketplaces and how they work.

What is a health insurance exchange?

August 20, 2013 – Health insurance exchanges are set to launch across the United States on October 1 and bring radical change to how people shop for and buy… Read more

What to expect when shopping in the Obamacare exchanges.

Shopping in the exchanges: what to…

August 20, 2013 – Ever since the ACA was signed into law in 2010, "exchange" has been a buzz word in health care reform. But there's still plenty of… Read more

Truth, justice and consumer protection for health insurance purchasers.

Consumer protections under the ACA

August 20, 2013 – The health reform law did many other things besides mandate the creation of state health insurance exchanges – also known as health… Read more

Time to review your existing insurance policy, and maybe replace it.

Time to dump your health insurance…

June 14, 2012 – The sad truth is that any number of factors can change with your health insurance coverage after you've enrolled, and you shouldn't… Read more

How to buy medical insurance

How to buy health insurance

January 30, 2012 – Buying health insurance can be complicated, but like a lot of things, it's easier if you break the job into smaller tasks and work your way… Read more

Robin Beaton lost her health insurance because she got cancer.

Reform promises end to deadly…

June 2, 2011 – Industry practices that result in health policy cancellations may soon come to an end, thanks to health reform regulations that prohibit… Read more

Private health insurance has been the America way for nearly 100 years.

Private health insurance

September 29, 2010 – Private health insurance continues to dominate the U.S. health care landscape. The majority of Americans under 65 continue to get their… Read more

Help get more people health insurance.

Reducing the number of uninsured

September 29, 2010 – For many Americans, getting off the rolls of the uninsured is a simple matter of getting information about coverage that's already… Read more