A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Featured
Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
Featured
Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Obamacare articles by category

Billions in ACA rebates show 80/20 Rule’s impact photo

Billions in ACA rebates show 80/20 Rule’s impact

Since 2012, health insurance customers have received almost $11.8 billion in medical loss ratio rebates from insurers, who refunded… Read more

ACA’s 2021 medical loss ratio rebates photo

ACA’s 2021 medical loss ratio rebates

The Affordable Care Act's '80/20' rule delivered $2.01 billion in premium refunds to 9.8 million Americans in 2020, its tenth… Read more

COVID-19:  State and federal efforts to improve access to testing, treatment, and health coverage photo

COVID-19: State and federal efforts to improve access to testing, treatment, and health coverage

Numerous state and federal regulations have been implemented to improve Americans' access to testing and treatment for… Read more

How to avoid the surprise of health plan ‘mapping’ photo

How to avoid the surprise of health plan ‘mapping’

If you don't return to the exchange to select your own coverage during open enrollment, you could be in for an alarming surprise: an… Read more

ACA’s 2020 medical loss ratio rebates photo

ACA’s 2020 medical loss ratio rebates

The Affordable Care Act's '80/20' rule delivered $2.46 billion in premium refunds to 11.2 million Americans in 2020, its ninth… Read more

ACA’s 2019 medical loss ratio rebates photo

ACA’s 2019 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2018 medical loss ratio rebates photo

ACA’s 2018 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2017 medical loss ratio rebates photo

ACA’s 2017 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2016 medical loss ratio rebates photo

ACA’s 2016 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2015 medical loss ratio rebates photo

ACA’s 2015 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2014 medical loss ratio rebates photo

ACA’s 2014 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2013 medical loss ratio rebates photo

ACA’s 2013 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

ACA’s 2012 medical loss ratio rebates photo

ACA’s 2012 medical loss ratio rebates

The Affordable Care Act's requirement that health insurance companies spend 80 percent of your premium dollars on actual health care –… Read more

Reform promises end to deadly rescissions photo

Reform promises end to deadly rescissions

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