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… Read More

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… Read More

Open Enrollment is Here Despite Hurricanes and Wildfires.

It’s Open Enrollment! Participating in open enrollment is essential even if you have been affected by the hurricanes and wildfires or are dealing with other pressing issues. It is open enrollment for both Medicare and the ACA in November and early December of 2017. Trump has talked a lot about repealing the Affordable Care Act and… Read More

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… Read More

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… Read More

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… Read More

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… Read More

Get Covered During Open Enrollment

ObamaCare Open Enrollment 2021

Everything You Need to Know About Open Enrollment Get covered during open enrollment under the Affordable Care Act. Open enrollment starts Nov 1st and ends Dec 15th in most states. Unless you have access to coverage through work, Medicare, or another source, open enrollment is the only time of year you and your family can… Read More

HSA Limits for 2018

Health Saving Accounts and ObamaCare for 2018 We cover everything you need to know about Health Savings Accounts (HSAs) for 2018, 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… Read More

Out-of-Pocket Maximums and Deductible Limits for 2018 Health Plans

Out-of-Pocket Maximums and Deductible Limits For 2018 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2018 plans for individuals and families. For 2018, your out-of-pocket maximum can be no more than $7,350 for an individual plan and $14,700 for a family plan before marketplace subsidies. For 2018, your maximum deductible is… Read More

2018 Cost Sharing Reduction Subsidies (CSR)

How Do Cost Sharing Reduction Subsidies Work? ObamaCare’s Cost Sharing Reduction Subsidies (CSR) lower out-of-pocket costs, based on income, for Silver plans bought on the Health Insurance Marketplace. Please note that CSR subsidies are paid to insurance companies, not to individuals. They are intended to offset the expenses of offering lower-cost health insurance to qualifying individuals. Eliminating… Read More

Get Ready for 2018 Open Enrollment

ObamaCare’s open enrollment period for 2018 starts on November 1st, 2017 and ends on December 15th, 2017.  This is what you need to know to enroll for 2018. Some states have longer enrollment periods, so you will have to check your state’s rules. • Open enrollment is the only time you can get cost assistance, enroll… Read More

Is the Congressional Budget Office (CBO) Trustworthy?

Can we Trust CBO figures? Republicans argued the Congressional Budget Office inaccurately projected the numbers of people left uninsured by proposed programs. Can the CBO be trusted? What is the CBO? The CBO has provided Congress with reliable and impartial budget information on the efficacy of policies for over four decades. It has a track… Read More

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