Use our Questions and Answers section to get answers to questions regarding ObamaCare, TrumpCare, or HealthCare in general, or to ask us a question.

Wondering How to use the Q&A section? Simply click on a question to get our answer and to see answers from our readers; Or, use the search bar at the top of the page to search for a specific question. If you can’t find an answer, go ahead and ask.

The Q&A section below covers ObamaCare, TrumpCare, Medicare, Medicaid, Employer Coverage, HealthCare Taxes, HealthCare Changes, and other general HealthCare topics. Just click on a question to get our answer, provide your own answer, or ask additional questions.

Is Obamacare Still Active?

Despite attempts at repeal and a lawsuit that may jeopardize the future of the ACA, ObamaCare is still active and most provisions are in place.

How Do I Obtain a 1095-A?

In most cases your 1095-A will be mailed to you and the IRS, and you won’t have to request or submit the form. However, since you need your 1095-A for 8962 tax credit forms, it’s good to know you can download your form using HealthCare.gov (or your state website).

Does ObamaCare Cover Coronavirus?

Most insurance sold under the Affordable Care Act covers essential benefits. In simple terms, this means plans must cover necessary testing and treatments. In this sense, all coverage that meets ObamaCare’s standards covers Coronavirus (COVID-19 specifically).

How Do I Become Eligible for COBRA?

In general, if you have been enrolled in health insurance for at least one day and then lose coverage for due to losing full-time status or due to termination, you qualify for COBRA. This is true even if you elect to go from full-time to part-time or are fired.

What is Medicare-For-All?

Medicare for all describes a general concept of a single payer healthcare system. Right now the US has a multi-payer healthcare system, that means people pay different insurance companies but have a choice in healthcare providers. With single payer, there is one insurer, but you keep the choice in providers. Also, as the “for-all” part implies, every citizen would have access to Medicare-for-all.

What is the Maximum Income for Obamacare for 2020 – 2021?

For 2020 coverage, those making between $12,490- $49,960 as an individual, or $25,750-$103,000 as a family of 4, qualify for ObamaCare. For 2021, those making between $12,760- $51,040 as an individual, or $26,200-$104,800 as a family of 4, qualify.

Who is Eligible for ObamaCare?

Anyone living in the United States who is a citizen or legal resident, and who is not incarcerated, is eligible for ObamaCare’s cost assistance based on income if they make between 100% – 400% of the Federal Poverty Level.

What is the Minimum Income for ObamaCare?

The minimum income for ObamaCare is 100% of the federal poverty level. The dollar amount of this changes every year, but for 2020 it is $12,490 for an individual and $25,750 for a family of four.

Can I Get ObamaCare at Anytime?

Under the Affordable Care Act (ObamaCare) you can only get coverage that qualifies for cost assistance and offers all of ObamaCare’s benefits during each year’s open enrollment peroid.

Is ObamaCare Still in Effect for 2020?

The Affordable Care is still in effect for 2020 and beyond, although there are some changes. In short, Americans no longer have to pay a fee for not having coverage, but they can still get cost assistance.

Will Obamacare Subsidies End?

ObamaCare subsidies are part of the current law and will not end unless the Affordable Care Act (ObamaCare) is repealed. That means you can still get subsidies in 2020 and beyond.

Impact of Lump Sum on Obamacare Premium Credit Eligibility

The year(s) you claim your taxable lump-sum payment in is the year(s) it will impact marketplace cost assistance. If you know you will claim only part of the lump sum as taxable this year, then that is the only part of the payment you need to account for when figuring out cost assistance.

Are Assets Counted for ObamaCare Subsidies?

Assets are not counted for cost assistance subsidies on marketplace plans under the Affordable Care Act (ObamaCare). Only income is counted for premium tax credits and cost sharing reduction subsidies. 

Do I Need a 1095 For Medicaid, CHIP, or Medicare?

If you had Medicaid, CHIP, or Medicare you should get a 1095-B sent Form 1095-B. A 1095-B can help you complete your taxes, for example if you had marketplace coverage for part of the year and need to file a 8962 form for tax credits.

I Cancelled the Wrong Health Plan, What Can I Do?

If you cancel a plan by mistake, the best thing to do is to quickly appeal. In many cases appealing a health insurance decision or marketplace decision will lead to a resolution in favor of the customer.

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