When you get out of prison you qualify for a special enrollment period in the Health Insurance Marketplace, or may qualify for Medicaid based on income.
In a Health Maintenance Organization (HMO) you’ll typically need a referral from a primary care physician (PCP) to see a dermatologist.
You are under the impression people are getting free help, you now know this isn’t true in many states, including PA. In fact getting help can be hard, and many times it’s only offered to those with high enough incomes.
During open enrollment you can switch from COBRA to ObamaCare’s Marketplace at anytime, outside of open enrollment you must wait until COBRA ends.
Health insurance tax credits are based on Modified Adjusted Gross Income. Social Security survivors benefits only count toward MAGI of tax filers.
There are a number of different qualifying events that allow a person to enroll in special enrollment in the health insurance Marketplace.
She will not have to pay back insurance claims. However she may owe back the advanced premium tax credits which, according to her Modified Adjusted Gross Income for the year, she received but did not qualify for. She will pay this back on her year-end tax return.
You probably owe the Individual Shared Responsibility Payment since you only had qualifying health coverage for 5 months out of the year. This fee is charged on your year-end tax return. You could also owe money if you didn’t claim exemptions on form 8965, or you received too much money in tax credits up front.
Employer payment plans are valid under the ACA, count as group health plans, and are subject to market reforms (no pre-exiting conditions, no dollar limits, etc).
You can use any 330 day period outside the US for ObamaCare’s travel exemption. This means you can have two exempt periods in the same year of 12 months each.
US citizens can enroll in ObamaCare’s Health Insurance Marketplace via Special Enrollment when retuning to the US after living abroad.
States can use funds from SEC. 10211. of the ACA to subsidize formula for new mothers. Formula can also be a medical expense, but is typically not a covered benefit.
No insurer can deny you for preexisting conditions, once you start the plan all treatment is covered. Treatment sought before your plan started isn’t covered, but ALL treatment that counts as a covered benefit is covered at the plans cost sharing amount.
Nothing in ObamaCare (the Affordable Care Act) affects one’s assets when they pass away. There is however a 3.8% tax on investment income which applies to the sale of non-primary homes over $500,000.
Marketplace subsidies are based on household income, even if one spouse qualifies for non-Marketplace coverage like Medicare.
Those who are incarcerated are exempt from the requirement to have health coverage, once a person leaves incarceration it triggers a special enrollment period to use the Marketplace.
Any legal US resident can enroll in the Health Insurance Marketplace. Subsidies are offered to anyone that qualifies, but Medicaid and CHIP have restrictions in many states.
Starting 2015 employers with over 200 employees need to auto-enroll employees with an opt-out. Employers with less need to let their employees know about their health coverage options, then offer no more than a 90 day waiting period for coverage to start.
A Health Reimbursement Arrangement (HRA) doesn’t affect premium tax credits, but a Employer Payment plan is excluded from an employee’s gross income and affects tax credits in that way (tax credits are based on Modified Adjusted Gross Income).
The ACA doesn’t directly affect tax brackets, however Americans can use a Health Savings Account to lower their household income. This can help them qualify for more cost assistance and potentially lower the rate at which they are taxed
You can decline your employer’s offer and opt for a MarketPlace Health Insurance Plan. However, this probably won’t be more affordable for you unless you qualify for Health Care Subsidies. Since you’re offered an employer-sponsored plan, you will not be eligible for ObamaCare Cost Assistance subsidies unless the plan is unaffordable or inadequate.
Unfortunately, we can’t help you with this. As an unofficial source for factual information on ObamaCare, we do not and cannot file tax or marketplace application forms for you. We recommend contacting whomever originally requested this form from you.
After being offered an employer-based health insurance plan, you can keep your Marketplace plan, but you will no longer be eligible for Cost Assistance Subsidies unless the job-based plan is unaffordable.
Social Security payments are deducted from AGI, but added back in for MAGI. Therefore they generally do count as income for ACA cost assistance.
You can only apply for coverage in a state you reside in. You can however get a multi-state plan if you want coverage outside your state.