ObamaCare 2020 – 2021

Our ObamaCare 2020 – 2021 Guide: Everything You Need to Know About ObamaCare Subsidies, Rates, Dates, Enrollment, and More We cover everything you need to know about ObamaCare in 2020 including information on enrollment, assistance, benefits, plan types, and more. Below we’ll cover what you need to know for 2020, and for 2021 coverage purchased in 2020. TIP:…

Out-of-Pocket Maximums and Deductible Limits for 2020 Health Plans

Out-of-Pocket Maximums and Deductible Limits For 2020 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2020 plans for individuals and families. For 2020, your out-of-pocket maximum can be no more than $8,150 for an individual plan and $16,300 for a family plan before marketplace subsidies. For…

HSA Limits for 2020

Health Saving Accounts and ObamaCare for 2020 We cover everything you need to know about Health Savings Accounts (HSAs) for 2020, 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…

2020 Cost Assistance Obamacare

Everything You Need to Know About Obamacare Cost Assistance For 2020 We cover everything you need to know about cost assistance on 2020 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…

Out-of-Pocket Maximums and Deductible Limits for 2019 Health Plans

Out-of-Pocket Maximums and Deductible Limits For 2019 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2019 plans for individuals and families. For 2019, your out-of-pocket maximum can be no more than $7,900 for an individual plan and $15,800 for a family plan before marketplace subsidies. For…

HSA Limits for 2019

Health Saving Accounts and ObamaCare for 2019 We cover everything you need to know about Health Savings Accounts (HSAs) for 2019, 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…

Open Enrollment 2020 Dates and Deadline

Dates and Deadlines For the 2020 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2020 health plans started November 1, 2019 and ended December 15, 2019 in most states. Plans sold during Open Enrollment start as early as January 1, 2020. Open enrollment is the only time of year…

ObamaCare 2019

Everything You Need to Know About ObamaCare for 2019: Information on Subsidies, Rates, Dates, Enrollment, and More We cover everything you need to know about ObamaCare in 2019 including information on enrollment, assistance, benefits, plan types, and more. NOTE: This page covers everything you need to know for 2019 up until open enrollment 2020 (which happens at the…

Sign Up for ObamaCare 2019

How to Sign Up For Health Insurance Under the Affordable Care Act During the 2018 – 2019 Open Enrollment Season Sign up for ObamaCare between November 1 and December 15, 2018 to get health coverage and cost assistance for 2019. Get covered at Healthcare.Gov. Key Dates For Open Enrollment 2019 To sign up for ObamaCare you must…

2019 Cost Assistance Obamacare

Everything You Need to Know about Obamacare Cost Assistance 2019 Below is a break down of everything you need to know about cost assistance on 2019 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…

Open Enrollment 2019 Dates and Deadlines

Dates and Deadlines For the 2018 – 2019 Open Enrollment Season Under the Affordable Care Act (ObamaCare) Open Enrollment in health plans for 2019 starts November 1, 2018 and ends December 15, 2018. Plans sold during Open Enrollment start January 1, 2019. Get covered at Healthcare.Gov. Open enrollment is the only time of year you can enroll in…

Affordability Exemptions and the Cost of Healthcare

Can I get an Affordability Exemption on 2018 Medical Plans? The Affordability Exemption uses the cost of insurance rather than the cost of healthcare. Companies profit hugely from our healthcare system. People don’t.  Healthcare itself is becoming increasingly unaffordable. Affordability is based on a percentage of household income, either 8.05% 0r 9.56%, and affects both employer…

What To Do If You Can’t Afford Health Insurance

The Issue We all need healthcare and health insurance, and the cost of medical care has exploded. We need to find a good way to manage the cost of insurance and care. The difficulty is compounded because wages and income have been stagnant for most of us. Even if you have a full-time job, you…

Medicare Part F (Medigap) vs. Medicare Advantage.

What is Plan F, Plan G, and Medigap? Once you have Medicare Part A and B, you can buy either Part D along with a Medigap Plan F or Plan G or a Medicare Advantage Plan. We discuss your options. A Medigap Plan F Covers the Part A hospital and Part B outpatient deductibles Covers…

Understanding Medicare Cost-Sharing

What is Medicare Cost-Sharing? When you use Medicare, you share the cost of your care by paying premiums, deductibles, copayments, co-insurance, and out-of-pocket maximums. If you receive a paycheck, part of your check will be set aside for Medicare. You pay for the program when you work and pay again when you use it. When you…

How are Original Medicare and Medicare Advantage Different?

What is the Difference Between Original Medicare and Medicare Advantage Plans? We compare Original Medicare and Medicare Advantage to help you better understand the difference between Original Medicare and Medicare Advantage plans. Both Original Medicare and Medicare Advantage are Federally regulated and ACA-compliant, but the fact that aspects of Medicare are privatized means there are significant…

Short-Term and Major Medical Health Insurance

Short Term Coverage Vs. Major Medical Coverage Short term and major medical insurance plans both provide coverage in case of a medical catastrophe, but they have significant differences. Short-term plans are typically used to fill in the gaps between major medical coverage. They act as a temporary coverage and often offer lower premiums for less…

ObamaCare Facts Archive

The facts below are our original “ObamaCare facts” page. These ObamaCare facts will give you a sense of how things used to be and what has changed. See our up-to-date “ObamaCare” facts page here. It is easy to forget that time when women paid more than men for health insurance, or when you could be denied…

How to Use HealthCare.Gov

How Do I Use Healthcare.gov to Sign Up, Shop For Plans, Get Assistance, and Enroll in Health Insurance? We explain how to use the official Health Insurance Marketplace HealthCare.Gov to sign up, shop for coverage, get assistance, and enroll in a health plan. First, to get started, you will need to go to HealthCare.Gov and select your state…