How Does ObamaCare Define Full-Time Hours?


Under the ACA full-time status is 30 hours a week. Employers can use a look-back period of up to 12 months. Employers typically use 27 hours as a safe harbor to ensure employees qualify as part-time status.

How Do I Get Coverage Before I Get My Card?


If you have coverage, but don’t have your card yet, call your insurer and get the information. You’ll need your member ID, group number, and insurer at least.

IRS Withheld the Wrong Amount? (ObamaCare)


When you enrolled you got cost assistance based on your projected income for the year, if you made more then you may have to pay back tax credits.

Employer Doesn’t Provide Child Dental?


Employers must provide child dental, if they don’t offer it, then they aren’t offering a qualified health plan and you should be able to apply to use the Marketplace.

Are There Subsidies for Employees?


Someone with access to affordable employer-sponsored coverage can’t get Marketplace cost assistance, the employer’s contribution to their health costs is the subsidy.

Where Does Tax Penalty Money Go?


When you pay the tax penalty it goes toward healthcare spending on ACA subsidies, Medicare, Medicaid, and other federal and state healthcare programs.

Unemployed ObamaCare, What are My Options?


If you are unemployed you have lots of options. Cost assistance is based off of projected annual income and being laid off triggers a special enrollment period.

Is it True That I’ll Lose Coverage At 70 – 75?


No one loses coverage, for any reason, other than non-payment or fraud. Coverage is guarantee issue, and the ratio of what someone can be charged based on age is 3 to 1.

Quiero Cancelar ObamaCare?


Quiero cancelar el plan Obama que debo hacer donde debo llamar quiero cancelarlo porque voy a tomar el plan de mi trabajo.

Medicare Part B Requirement?


Only those over 65 with access to Medicare need to enroll in Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it.

Child with Disabilities Dropped From Coverage?


In the case where a child needs immediate attention, but was dropped from their insurance plan, they should call the Marketplace and seek help at a hospital.

Paycheck Deduction For Affordable Care Act?


There was an increase to the Medicare tax, if you are a higher-earning employee this may account for the paycheck deduction. It could also be related to paying into employer-sponsored coverage.

When Can I Add a Dependent to My Insurance?


A dependent can be added to coverage during open enrollment or a special enrollment period, this is the same for a spouse.

Not Sure How to Look Up Insurance?


If you need health insurance, you want to start with HealthCare.Gov. You’ll find out if you qualify for cost assistance or a healthcare assistance program.

Is there a Penalty For Reimbursing Employees?


As an employer with less than 50 FTE you can make any arrangement you want with your employee, but for tax deductions, you’ll have to follow certain IRS rules for employer contributions.

How to Pay Health Insurance Premium?


In most cases can pay your premium through the Marketplace, or through your insurer. Payments can be made online, by the mail, or over the phone.

Got an Exemption, Do I Qualify For Extended Enrollment?


If you would have paid the fee, but were exempt from the fee, you still qualify for the extra enrollment period March 15 – April 2015. You’ll need to attest to this situation when you apply for the Special Enrollment period through the Marketplace.

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