Shopping for Health Insurance Outside of the Health Insurance Marketplace If you make too much for cost assistance or want to see your private health plan options, you may want to shop outside of the Health Insurance Marketplace. There are three main ways to get covered in the individual and family market under the Affordable… Read More
How to Use Your State’s Health Insurance Marketplace to Buy “Affordable” Health Insurance ObamaCare’s Health Insurance Marketplace, or ObamaCare Marketplace, is your State’s price comparison website for subsidized health insurance under the ACA. The following guide will explain the marketplace and how you, your family, and your business can compare health plans and qualify for… Read More
ObamaCare Facts 2020: Nosotros te decimos los hechos, no los puntos de discusión Plan Salud ObamaCare en Español; Les presentamos los Datos Sobre el Plan de Salud de ObamaCare en español. Nosotros te decimos los hechos, no los puntos de discusión. Conozca los hechos de ObamaCare (la Ley de Protección a Pacientes y Cuidados de… Read More
Understanding ObamaCare (Patient Protection and Affordable Care Act) ObamaCare is a nickname for The Patient Protection and Affordable Care Act (sometimes called the Affordable Care Act, ACA, or PPACA for short), a health reform law signed on March 23, 2010, by President Barack Obama. ObamaCare seeks to reform health insurance and healthcare in the United… Read More
Qualifying for Coverage Outside of Open Enrollment A special enrollment period is a period outside of open enrollment in which you can get coverage due to qualifying life events. You may qualify for special enrollment if you have certain “qualifying life events” like a change in family status (having a baby, getting married, adoption, etc), losing… Read More
We Asked You How You’ve Been Affected By ObamaCare, Here is What You Said Below are Real ObamaCare Stories from our readers. We asked you to share your ObamaCare stories on how health care reform has affected you. Thank you for the overwhelming amount of responses. We have done our best to answer your questions… Read More
Our Unbiased ObamaCare Poll Paints a Different Picture of ObamaCare’s Approval Rating Our unbiased ObamaCare poll paints a different picture of ObamaCare’s approval rating compared to other polling done on ObamaCare’s popularity. It turns out the more people know about the program, the more they like it. Let America know what you think about the… Read More
When is Open Enrollment for ObamaCare, Medicaid, Medicare, and Other Insurance Types? Open enrollment is the annual period in which shoppers can enroll, switch plans, and get subsidies on health plans under the Affordable Care Act (ObamaCare). In general, open enrollment starts each year on November 1st and ends on January 15th. However, open enrollment may be extended… Read More
Separating the ObamaCare Facts from the ObamaCare Myths We fact-check a number of myths about ObamaCare (the Affordable Care Act). ObamaCare or Affordable Care Act (ACA) is riddled with myths. These range from premium increases to the idea you can get put in jail for not paying the fee. They include the idea that “ObamaCare”… Read More
Get the Facts on the Impact of ObamaCare on Medicare This page contains a summary of everything you need to know about the Affordable Care Act (ObamaCare) and Medicare. ObamaCare’s Medicare reforms improve and expand Medicare for seniors. One way it does this is by closing the Part D Donut hole (you have paid only… Read More
The ObamaCare Mandate Exemption and How You Can Qualify for an Exemption from the Tax “Penalty.” From 2014 – 2018, who chose not to purchase insurance had pay a tax “penalty” unless they qualified for an exemption. Exemptions from ObamaCare’s tax “penalty” mandate are available to a number of Americans. We will cover all of… Read More
ObamaCare’s Individual Mandate: What is the Tax Penalty for Not Having Health Insurance? ObamaCare’s individual mandate had required most Americans obtain and maintain health insurance, or an exemption, each month or pay a tax penalty. However, the fee has been reduced to $0 on a federal level starting in 2019. That said, some states have… Read More
How ObamaCare Affects Health Insurance Premium Rates Insurance premiums are a sore subject with many readers. However, insurance premium increases related to Obamacare are largely a response to the protections contained within the law, such as the mandate for insurers to cover people with pre-existing conditions. Meanwhile, parts of the law like the rate review… Read More
What is the ObamaCare Health Insurance Exchange Marketplace? The Health Insurance Exchange Marketplace is an online marketplace for health insurance under the Affordable Care Act (ObamaCare). The Federal marketplace is HealthCare.Gov. Some states operate their own exchanges (you can find out if your state uses its own marketplace or the federal marketplace by going to HealthCare.Gov)…. Read More
The Employer Mandate / Employer Penalty The ObamaCare Employer Mandate / Employer Penalty, originally set to begin in 2014, was delayed until 2015 / 2016. ObamaCare’s “employer mandate” is a requirement that all businesses with 50 or more full-time equivalent employees (FTE) provide health insurance to at least 95% of their full-time employees and dependents up… Read More
Watch the Obama Zach Galifianakis Interview Promoting the Affordable Care Act Watch the Obama Between Two Ferns Interview. President Obama promoted ObamaCare on ‘Between Two Ferns’ with Zach Galifianakis. The Obama Zach Galifianakis interview put President Obama “between two ferns” on Zach’s web talk show. ‘Between Two Ferns’ typically is comprised of Zach leading uncomfortable… Read More
What Happens if I Missed the Deadline for ObamaCare? If you miss the annual deadline for ObamaCare Open Enrollment, you might miss your opportunity for cost-assisted coverage. However, you may still have options for obtaining health insurance. Open enrollment for private individual and family health plans is limited each year. For example, most states have… Read More
What is Minimum Essential Coverage (MEC)? Minimum Essential Coverage is health insurance that meets the requirements of the ObamaCare (the Affordable Care Act). This generally means coverage offers 10 essential benefits and meets actuarial value standards. Most coverage offered in the employer, private, and public markets count as Minimum Essential Coverage. Meanwhile, short-term and limited… Read More
What ObamaCare Means for You, Your Family, and Your Business When hearing about the Affordable Care Act (ObamaCare), the first question that comes to mind is, “how will ObamaCare affect me, my family, and my business?” The answer, of course, depends on a number of factors including income and whether or not you currently have… Read More
ObamaCare and Appeals – Everything You Need to Know About Expanded Appeal Rights Under the Affordable Care Act The Affordable Care Act (ObamaCare) expanded health insurance appeal rights. Under the ACA it easy to appeal any health insurer or marketplace decision. Specifically, you have the right to an internal and external appeal of any decision… Read More
You Can’t Be Denied Coverage For Any Reason ObamaCare makes health insurance guaranteed issue meaning you can’t be denied health status, age, gender, or other factors. Just because insurance is guaranteed issue doesn’t mean you can’t be charged more for certain factors, although the ACA limits this as well. Below we will list the factors… Read More
Grandfathered Health Plans Don’t Have to Follow ObamaCare’s Rules and Regulations. Grandfathered plans are plans that were purchased before March 23, 2010. These plans have a grandfathered status and don’t have to follow ObamaCare’s rules and regulations or offer the same benefits, rights and protections as new plans. This means that on many old plans… Read More
Check out the information below to learn about how to contact the fine people at ObamaCareFacts.com to ask any questions related to health insurance and the Affordable Care Act. TIP: We have moved our contact form. Please contact ObamaCareFact.com here. Need help signing up for health insurance? Find out how to sign up for ObamaCare and… Read More
Everything You Need to Know About Congress and ObamaCare We cover everything you need to know about ObamaCare and Congress, including updates on votes to repeal and replace ObamaCare and the Congress exemption. First here are a few updates on changes and attempted change to the law made by Congress and other branches of government…. Read More
Our ‘Affordable Care Act’ Summary breaks down ObamaCare section by section. The ‘Affordable Care Act’ summary will give the most factual representation of the law by summarizing each of the Act’s 10 titles. Every title and every section of the ‘Affordable Care Act’ is packed with details (even the condensed version of the law is… Read More