Am i Eligible for Health Insurance?


Every legal US resident is eligible for health insurance, either through ObamaCare or private coverage. However, cost assistance is based on income.

Can Someone Be Too Old for Medical Treatment?


In the US you can’t be denied treatment for being too old, some screenings are recommended or covered differently at certain ages, but essential treatment can’t be denied.

High Deductible Plan Too Expensive?


Under the ACA cheaper plans typically have high deductibles, the ACA limits what these can be, but it can still be costly. Here are some tips and tricks.

Health insurance Reimbursement Added to Paycheck?


Employers have pretty specific rules for health insurance reimbursement programs. The goal was to prevent large employers from skirting the mandate by reimbursing Marketplace subsidized coverage.

How Does Being A Caregiver Affect ACA?


The IRS has very specific, sometimes confusing, rules for caregivers. Under ObamaCare there are extra deductions to claim as a caregiver that can affect MAGI

How Does Marriage Affect ObamaCare?


If a single person get’s married they can use special enrollment to switch to a family plan. They will need to adjust tax credits on form 8962 at the end of the year.

I have Medicare. Do I Need ObamaCare?


If you have Medicare, keep it. You don’t need to get ObamaCare and you won’t owe the fee. It’s illegal for private insurers to sell you a non-Medicare plan.

Meridian Health Insurance?


Meridian health insurance is a physician-owned and operated group of health plans and companies. They service Medicare and Medicaid in low-resource environments. In some states, in some regions, they really let insurers (of all types public and private) get away with some B-S. Essentially the insurer is offering a network that is so tight that your coverage becomes lackluster (to be fair you coverage was also probably cheaper than other offers)

Is ObamaCare Subsidy Included in MAGI?


The ObamaCare subsidy is based on MAGI, but is not included as income for MAGI. You calculate your MAGI before claiming the net tax credit.

Clarification on 9.5% of Employee-Only Coverage


We are as sure as the final rule from the IRS in front of us that 9.5% applies to employee-only coverage and not dependent or family coverage.

Switching To ObamaCare During Treatment?


You can switch between health plans, including ObamaCare, but you’ll lose your cost sharing. Also claims made during coverage gaps could be denied.

Why Was Covered Preventive Care Denied?


Preventive services are covered under the ACA, but there are a few important things to understand about how preventive services work.

Can You Help Debunk These ObamaCare Claims?


The ACA gives over 30 million Americans coverage options, lowers costs for the 1 in 2 with preexisting conditions, but increased costs for some who had insurance before.

How Do Subsidies Work With Uncertain Income?


If you don’t know what you’ll make, we suggest getting a Marketplace Silver plan, only taking partial tax credits up front, and adjusting cost assistance as needed.

Does Estate Payback Subsidies Upon Death?


Tax credit repayment limits are based on annual income, in the case of death this remains true. It depends upon whether a tax return must be filed for the deceased.

Can I Cancel Employer Coverage?


You can can cancel any health coverage at anytime, including employer sponsored coverage.

Adult Male Rejected By Medicaid Due to Income?


If you have no income then you can get Medicaid in many states as an adult male. However some states have rejected Medicaid leaving millions of Americans with no health options.

Why Am I Penalized For Annual Income?


The ACA counts annual household income, this is true even if you lost employer-based coverage and income.

Why Do I Owe the ObamaCare Penalty?


Generally someone owes the penalty if they didn’t have coverage or an exemption for a month, however they can also owe money back if they owe back premium tax credits due to making more income

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