Frequently-asked questions by tag
How can Native Americans get coverage under the ACA? Are there specific plan options for them?
January 11, 2023 – American Indians and Alaska Natives (AI/AN) benefit from the Affordable Care Act's expanded coverage. In fact, 94% of American…
Should I buy the health plan my college offers? or buy through an ACA exchange?
December 1, 2022 – Most student health plans offered by colleges and universities are fully compliant with the ACA, with just a few exceptions that don't…
If my income changes and my premium subsidy is too big, will I have to repay it?
October 20, 2022 – If a person receives a premium subsidy in the marketplace and then ends up with a total annual income higher than they projected, they may…
Since a lower income results in a larger subsidy, is there anything I can do to reduce my income under ACA rules?
August 25, 2022 – You can reduce your MAGI — and thus increase your subsidy amount — with contributions to a retirement plan, HSA contributions, and…
Does the IRS change how much I’ll have to pay for my health insurance each year?
August 19, 2022 – Q. I've seen that the percentage of income I have to pay for my health insurance seems to change each year, based on IRS guidance. Does…
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 – Q. My income is $44,000, which is just about 344% of poverty level. I thought that subsidies were available for anyone with incomes up to…
Would my 21-year-old’s subsidy be based on his income – or mine?
April 26, 2022 – Q. My 21-year-old son is in college. I know he could stay on my employer's plan until he is 26. But he might be able to get better coverage…
I earn just $22,000 a year. How can I afford the out-of-pocket costs of health insurance?
November 10, 2021 – Q. I'll turn 26 soon, and will lose access to coverage under my parents' health plan. I understand that I am expected to buy insurance,…
Were individual-market health plans less expensive before Obamacare?
July 31, 2021 – A 35-year-old says that before the ACA, his health insurance premiums were $150 a month with a $50 deductible. But did he have a true major…
We’re a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges?
July 25, 2021 – Q. We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the…
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…
If someone decides to not buy health insurance and is injured in accident, what happens?
January 22, 2021 – If you're uninsured, don't expect free medical care in the event of an…