Being unemployed and receiving unemployment income does not make you ineligible for getting coverage through ObamaCare. In fact, you may be eligible free or very low-cost health insurance. The only way to find out is to register on your state’s Health Insurance Market or the Federal Insurance Exchange, Healthcare.gov.
Typically an employer pays 50% of an employee premium. They must do this to meet ACA requirements and claim a tax credit
If you get a tax credit in advance, and then make more income then projected or marry and thus claim more income you may have to repay based on annual income.
If an employer offers a wellness program and you don’t participate, and thus your premium is “unaffordable” you can use the Marketplace.
When someone is on a family plan, but is out of the US and turn 26 they can use the physical presence test to see if they need to get coverage or can wait until they come back.
Whomever files for a dependent is responsible for their coverage and will owe the fee if the dependent doesn’t obtain and maintain coverage or an exemption.
US citizens, nationals, and lawfully present immigrants can get ObamaCare’s Marketplace coverage, undocumented immigrants can’t, and Medicaid has special rules.
Pediatric vision and dental have to be offered, but parents can decline. The mandate is only for major medical health coverage.
Pre-existing conditions are covered for special enrollment, if you are enrolling outside of open enrollment use the Marketplace.
You’ll need to renew your health plan each year, even if it’s on auto-renew you’ll want to check the plan benefits and cost assistance amounts.
Only US citizens and legal residents can get Marketplace health insurance, but there are a number of other options for pregnant foreign citizens.
You have until April 30, 2015 to enroll in a Marketplace plan if you don’t have coverage and would owe the fee from 2014.
There are a few reasons you may not be offered coverage under the employer mandate.
ACA subsidies are based on annual income, that means if you need assistance for part of the year you can end up owing credits if income increases later in the year.
You qualify for special enrollment on the day you lose coverage. The new coverage can start as early as the day you lose coverage, but you can apply early.
The only way to switch carriers outside of ObamaCare’s open enrollment period is via a special enrollment period.
Generally someone needs to have Original Medicare to get supplemental coverage. Some insurances allow deferment of Part B without a penalty, but TRICARE requires Part B.
If you project to make between 100% – 400% of the Federal Poverty Level and you can get cost assistance, less and you may get Medicaid depending on your state.
Owning a home and other assets don’t affect ObamaCare subsidies or Medicaid. Those are both based on household income.
Typically you can’t change a health plan after enrolling, however on ObamaCare’s Marketplace plans you can adjust the amount of cost assistance you get.
If you enroll and then don’t pay your premium and get cancelled you don’t qualify for special enrollment. One of the only events that doesn’t qualify you for special enrollment if failure to pay.
When you move with a chronic illness you’ll need to apply for coverage before you move to avoid a coverage gap, this can be done via special enrollment.
There is no surcharge for health insurance under ObamaCare. Employer plans work like they normally do, but one cannot get Marketplace cost assistance if they have an employer plan.
Tax credits are based on household income, when you get married mid-year you’ll count income before marriage and after marriage differently on the 8962 form Table 4. Alternative Calculation for Year of Marriage Eligibility.
Short term and travel insurance are sold by private companies, they don’t count as coverage under the ACA, but if you’ll have a less than three month gap you won’t owe a fee.