Why Are Deductibles So High?

One of the ways that premiums can be affordable, and plans can be comprehensive, is by having rather high deductibles. The PPACA limits all deductibles

Are there Subsidies for Deductibles?

Only those with Silver marketplace plans, who make less than 250% FPL, can get cost assistance to lower deductibles. $6,600 for an individual $13,200 for a family.

How Do Deductibles Work With ObamaCare?

Deductibles are lowered by Cost Sharing Reduction subsidies, on Silver plans only. You’ll pay out of pocket for all care not subject to a copay before you meet your deductible.

HSA Limits for 2023

Health Saving Accounts and ObamaCare for 2023 We cover everything you need to know about Health Savings Accounts (HSAs) for 2023, including how HSAs work with health plans under the Affordable Care Act. TIP: The Affordable Care Act is sometimes called “ObamaCare” or the “ACA” for short. Thus, this page is about HSAs and how…

Out-of-Pocket Maximums and Deductible Limits For 2023

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2023 plans for individuals and families. For 2023, your out-of-pocket maximum can be no more than $9,100 for an individual plan and $18,200 for a family plan before marketplace subsidies. These numbers have been revised up for 2023,…

Cost Sharing Reduction Subsidies 2023

Cost Sharing Reduction (CSR) subsidies reduce your out-of-pocket expenses on silver plans purchased through the health insurance marketplace for those with incomes between 100% – 250% of the poverty level. For 2023 CSR values remain unchanged and provide 70%, 73%, 87%, or 94% Actuarial Value depending on income. CSR subsidies lower your coinsurance, and lower…

2023 Cost Assistance Obamacare

Everything You Need to Know About Obamacare Cost Assistance For 2023 We cover everything you need to know about cost assistance for 2023 health plans under the Affordable Care Act (ObamaCare). In other words, here is everything you need to know about Premium Tax Credits, Cost Sharing Reduction Subsidies, Medicaid and CHIP, HSAs, and Medical…

Open Enrollment 2023 Dates and Deadline

Dates and Deadlines For the 2023 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2023 health plans starts November 1, 2022, and ends January 15, 2023, in most states. Plans sold during Open Enrollment start as early as January 1, 2023. Open enrollment is the only time of year…

Sign Up for ObamaCare 2022

How to Sign Up For 2022 Health Insurance Under the Affordable Care Act Sign up for ObamaCare between November 1, 2021, and January 15, 2022, to get health coverage and cost assistance for 2022. Get covered at Healthcare.Gov. Key Dates For Open Enrollment 2022 To sign up for ObamaCare you must shop for coverage during open…

ObamaCare 2022

Our ObamaCare 2022 Guide: Everything You Need to Know About ObamaCare Subsidies, Rates, Dates, Enrollment, and More We cover everything you need to know about ObamaCare in 2022 including information on enrollment, assistance, benefits, plan types, and more. In this article, we’ll cover what you need to know for 2022 coverage purchased during open enrollment 2022 (Nov 1,…

HSA Limits for 2022

Health Saving Accounts and ObamaCare for 2022 We cover everything you need to know about Health Savings Accounts (HSAs) for 2022, including how HSAs work with health plans under the Affordable Care Act. TIP: The Affordable Care Act is sometimes called “ObamaCare” or the “ACA” for short. Thus, this page is about HSAs and how…

Out-of-Pocket Maximums and Deductible Limits For 2022

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2022 plans for individuals and families. For 2022, your out-of-pocket maximum can be no more than $8,700 for an individual plan and $17,400 for a family plan before marketplace subsidies. These numbers have been revised up for 2022,…

Cost Sharing Reduction Subsidies 2022

Cost Sharing Reduction (CSR) subsidies reduce your out-of-pocket expenses on silver plans purchased through the health insurance marketplace for those with incomes between 100% – 250% of the poverty level. CSR subsidies lower your coinsurance, and lower copays, deductibles, and maximum out-of-pocket costs you will pay in a policy period. CSR subsidies are based on…

2022 Cost Assistance Obamacare

Everything You Need to Know About Obamacare Cost Assistance For 2022 We cover everything you need to know about cost assistance for 2022 health plans under the Affordable Care Act (ObamaCare). In other words, here is everything you need to know about Premium Tax Credits, Cost Sharing Reduction Subsidies, Medicaid and CHIP, HSAs, and Medical…

The American Rescue Plan Act and ObamaCare

How the American Rescue Plan Impacts the ACA The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL…

Open Enrollment 2022 Dates and Deadline

Dates and Deadlines For the 2022 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2022 health plans started November 1, 2021, and ends January 15, 2022, in most states. Plans sold during Open Enrollment start as early as January 1, 2022. Open enrollment is the only time of year…

BidenCare Facts

Get the Facts on BidenCare. BidenCare is Joe Biden’s plan to ‘protect and build’ ObamaCare. It includes expanded cost assistance, a Medicare-like public option, and other healthcare reform measures. You can see Biden’s ‘Protect and Build” ObamaCare (AKA Bidencare) plan on his website. Or, keep reading to get the facts on BidenCare and a summary…

2021 Cost Assistance Obamacare

Everything You Need to Know About Obamacare Cost Assistance For 2021 We cover everything you need to know about cost assistance for 2021 health plans under the Affordable Care Act (ObamaCare). In other words, here is everything you need to know about Premium Tax Credits, Cost Sharing Reduction Subsidies, Medicaid and CHIP, HSAs, and Medical…

Cost Sharing Reduction Subsidies 2021

Cost Sharing Reduction (CSR) subsidies reduce your out-of-pocket expenses on silver plans purchased through the health insurance marketplace for those with incomes between 100% – 250% of the poverty level. CSR subsidies lower your coinsurance, and lower copays, deductibles, and maximum out-of-pocket costs you will pay in a policy period. CSR subsidies are based on…

Out-of-Pocket Maximums and Deductible Limits For 2021

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2021 plans for individuals and families. For 2021, your out-of-pocket maximum can be no more than $8,550 for an individual plan and $17,100 for a family plan before marketplace subsidies. These numbers have been revised up for 2021,…

Historic HSA Levels

Below are historic HSA levels that may be needed for back filing. Annual Contribution Limits 2016 and 2017 Compared The following chart from shrm.org shows the comparison of the 2016 and 2017 HSA limits as defined by the IRS’s Revenue Procedure 2015-30, issued May 5, 2015. Please note: The printed maximum below is the out-of-pocket maximum…

HSA Limits for 2021

Health Saving Accounts and ObamaCare for 2021 We cover everything you need to know about Health Savings Accounts (HSAs) for 2021, including how HSAs work with health plans under the Affordable Care Act. TIP: The Affordable Care Act is sometimes called “ObamaCare” or the “ACA” for short. Thus, this page is about HSAs and how…

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