Questions

Medicaid expansion extends Medicaid to all adults in State’s that embraced ObamaCare. CHIP is also expanded. It doesn’t affect Medicare.

If you get denied coverage due to preexisting conditions then: your insurer is breaking the law, you have limited coverage, or a grandfathered plan.

The typical family can pay up to 20% of their income towards health insurance. 9.5% is considered affordable for an individual. Healthcare is expensive for our country and most Americans, even with the new assistance.

If you have health insurance, get sick, use your coverage, but then can’t work, so you don’t qualify for cost assistance, then you are in a bad place unless your state expanded Medicaid, or you have money saved up to pay for a health plan without assistance.

All private health plans that protect you from the fee include child dental and vision as a benefit, even if you already have it. You can reject dental or vision as a standalone, but won’t avoid the fee by having just dental or vision.

If you don’t have any income, then you can’t get cost assistance on the Marketplace and won’t owe the fee. However, you may qualify for Medicaid depending upon your state.

If you are a US citizen living abroad for more than 330 days a year, you don’t need to do anything under ObamaCare (the Affordable Care Act)

Only those with Silver marketplace plans, who make less than 250% FPL, can get cost assistance to lower deductibles. $6,600 for an individual $13,200 for a family.

In 2014, even if you only had limited benefit Medicaid, you are considered covered. You may, however, have to use form 8965 to claim exemptions for limited benefit Medicaid.

If someone needs treatment out-of-network for a pre-existing condition they either need to pay out-of-pocket, pay their out-of-network cost sharing amount, get approval from the insurer, or switch to a multi-state plan.

Whomever claims the dependent for the month in question is responsible for their health coverage. Options are based, at least partially, on income.

If you are married and want cost assistance you have to get a family plan, that being said family plans offer different cost sharing then individual plans.

In all states, those making between 100% of the Federal Poverty Level and 400% can get some sort of assistance through the Health Insurance Marketplace. In states that didn’t expand Medicaid those who make less than 100% of the poverty level may not have any options

If you got enrolled in emergency only Medicaid you aren’t exempt from the fee based on coverage, luckily your acceptance letter should double as a denial.

Immigrants who are lawfully present in the US can use the Marketplace. However access to cost assistance and the fee depend upon other factors like filing status, income, and immigration status type.

Your employer only has to contribute to a health plan they offer. You can’t use cost assistance if they offer coverage. That being said, if the plan you are being offered costs more than 9.5% of your household income after deductions, then you can get an exemption from the Marketplace due to unaffordable employer coverage.

Generally, if you have a coverage option through work you can’t get cost assistance. If your spouse is offered coverage through your employer, this is true for them too.

If you have Medicare then you don’t need to enroll in ObamaCare, or do anything. You can learn about the ways that ObamaCare improves and expands Medicare here.

As long as someone has major medical coverage, they can switch to another major medical plan when that plan ends (unless it ends due to non-payment or fraud).

Whomever claims the dependent is responsible for getting them health insurance. Cost assisted options include the Marketplace and CHIP. Whether or not a person has to pay the Fee is also based on income.

If you didn’t get covered during open enrollment, you may qualify for special enrollment. Since you had been given bad information about signing up for the Marketplace, you most likely qualify for a special enrollment period.

When you apply for the Marketplace or Medicaid your eligibility is based on total household income, this Includes income from survivor’s benefits. With that said, the rules are a bit complex and whether or not income is included depends on other taxable income.

If you are looking for your 1095 for 2014, and had Marketplace coverage, then you’ll want to follow up with the Marketplace. In some instances 1095a forms won’t be filed until the end of February 2015.

The rule of thumb is that if you have coverage for a month then you don’t owe the fee, if you don’t have coverage for at least one day of a month then you owe the fee.