Tax Credits and Changes to Income

Tax credits are based on annual household income, not monthly income. If projected annual income changes you can adjust cost assistance to avoid repayment. Quick Facts on Cost Assistance and Changes to Income There are three important things to understand about cost assistance and changes to income: Marketplace cost assistance is based on projected annual household income,… Read More

ObamaCare Under 26: Rules for Children and Young Adults

Children can stay on their parent’s plan until 26; when they turn 26, they qualify for special enrollment. Dependent coverage is also offered by employers. Below is everything you need to know about the Affordable Care Act and young adults under 26. What the ACA Does for Young Adults and Children Under 26 Young adults… Read More

Facts on Deaths Due to Lack of Health Insurance in US

It’s estimated there are between 20,000 and 45,000 deaths a year due to lack of health insurance. Get the facts on mortality and health insurance in the US by reading our breakdown of past studies and reports below. The Uninsured and Mortality Rates A 2012 familiesUSA study shows that more than 130,000 Americans died between 2005… Read More

ObamaCare Replacement Plan: “CARE” Act Facts

Get the facts on the ObamaCare replacement plan by Burr, Hatch, and Upton: the Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act. Below we present a summary, some quick facts, a pros and cons chart, a complete section-by-section breakdown, and finally we compare the CARE Act proposal to ObamaCare. Keep in mind this is an older replacement… Read More

Form 8965, Health Coverage Exemptions and Instructions

Find out how to fill out Form 8965, Health Coverage Exemptions, the form for reporting ObamaCare Exemptions. We provide a simplified breakdown of form 8965. Due to changes in the tax structure under Trump there will be no federal fee for not having health coverage in most states for 2019 forward, thus exemptions won’t be… Read More

Form 1095-A, 1095-B, 1095-C, and Instructions

The 1095 forms are filed by the marketplace (1095-A), other insurers (1095-B), or by your employer (1095-C). We have simple instructions for the 1095 forms. Keep in mind the 1095 forms are filed by whoever provided you coverage, so individuals won’t have to fill them out themselves. TIP: This page has been updated for 2022 (although on-page… Read More

ObamaCare and Immigrants

Let’s look at how ObamaCare affects immigrants and how immigration status affects Marketplace coverage, cost assistance, Medicaid, and coverage requirements. Most immigration statuses qualify people to use the Marketplace, but only lawfully present immigrants have access to cost assistance and are required to obtain coverage. Limitations apply to specific groups in regards to Marketplace coverage, Medicaid, and… Read More

How Does Health Insurance Work?

How does health insurance work? You pay a monthly premium and your share of annual out-of-pocket costs, and your insurer pays it’s share of covered costs.  The concept is simple, but getting that perfect health plan takes some brain power and elbow grease.  By taking the time to master and internalize the content of this page,… Read More

¿Qué es ObamaCare?

Qué es ObamaCare?

¿Qué es ObamaCare | Qué es la Ley de Cuidados de la Salud Asequibles (Affordable Care Act)? ObamaCare (Ley de Cuidados de la Salud Asequibles o Affordable Care Act) es una reforma de salud en E.E.U.U. que extiende y mejora el acceso a los cuidados de salud y disminuye el gasto mediante regulaciones e impuestos…. Read More

Datos Sobre Obamacare: Plan de Salud ObamaCare Español

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

ObamaCare and Women: ObamaCare Women’s Health Services

ObamaCare and Women

ObamaCare Ensures Women Get Equal Health Care Rights and Improved Women’s Health Services How Does ObamaCare Benefit Women? ObamaCare gives women access to guaranteed preventive women’s health services with no copayment or coinsurance even if they haven’t met their deductible. See: Preventive care benefits for women at HealthCare.gov for a list of services covered. Before the Affordable… Read More

ObamaCare PDFs, Documents and Other Resources

We Help You Understand the Affordable Care Act Looking for ObamaCare PDFs and resources to help you further understand the Affordable Care Act? If you read through our site you’ll have a solid grasp on how ObamaCare will affect you, your family, your business and your fellow Americans. Of course we can’t cover everything, so… Read More

ObamaCare Medicare: ObamaCare and Medicare

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

ObamaCare Employer Mandate

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

ObamaCare and CHIP (Children’s Health Insurance Program)

What You Need to Know About the Children’s Health Insurance Program (CHIP) and ObamaCare ObamaCare makes some changes to CHIP, the Children’s Health Insurance Program. Let’s take a look at ObamaCare and CHIP and learn how the changes may affect your family. Health coverage is free or low cost for Kids and Teens through Medicaid… Read More

Affordable Care Act Summary

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

ObamaCareFacts is a free informational site. It's privately owned, and is not owned, operated, or endorsed by the US federal government or state governments. Our contributors have over a decade of experience writing about health insurance. However, we do not offer professional official legal, tax, or medical advice. See: Legal Information and Cookie Policy. For more on our company, learn About ObamaCareFacts.com or Contact us.