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The Q&A section below covers ObamaCare, TrumpCare, Medicare, Medicaid, Employer Coverage, HealthCare Taxes, HealthCare Changes, and other general HealthCare topics. Just click on a question to get our answer, provide your own answer, or ask additional questions.
The cheapest plan is typically $200 – $400, cost assistance caps the cost between 2% – 9.5% of MAGI. It’s rare that someone would pay over $600 for individual coverage, let alone $800.
Some of the less reputable third party companies on the internet resell leads or spam phone calls when customers fill out a quote form. This is not a practice that is endorsed by any reputable entity including ObamaCareFacts.com, HealthCare.Gov, or any major insurer, broker, or advertiser.
Preventive screening, including mammograms, is covered at not cost under ObamaCare but additional exams may have cost sharing or may not be covered.
A coverage family can include any tax dependent so a grandchild can be covered, but only if the natural parent isn’t living in the same household.
A legal immigrant can buy a private plan or get cost assistance through ObamaCare (if they file taxes), but can’t get Medicaid before 5 years in most cases.
If you have Medicare you cannot use ObamaCare’s Marketplace or buy non-Medicare insurance, even if you only have Part A or Part B.
If you move to a new state you have 60 days to enroll in a plan via special enrollment in that states Marketplace. There will never be an instance where you move out of state and aren’t allowed to enroll in an individual health plan
Under ObamaCare full-time is defined as working an average of 30 hours a week or more or 130 hours a month in a measurement period between 3 and 12 months.
A firm with ten or less employees doesn’t have to offer health coverage, but can get tax breaks of up to 50% of an employees premium. The ACA aims to help small businesses, not hurt them.
You can decline employer health insurance (it’s called a waiver of coverage), but you won’t be able to get cost assistance through ObamaCare or dependent coverage through the employer plan if coverage was offered.
The best way to provide coverage for another person who you don’t file taxes with is to look into their cost assistance options through ObamaCare first and then look at private or employer options.
ObamaCare expanded Medicaid, but each state has a unique Medicaid program, when moving contact the state you plan to live in and arrange coverage before you move.
Worker’s comp doesn’t counts toward ObamaCare subsidy eligibility, as it’s not taxable. You can switch to an ObamaCare plan when worker’s comp ends.
If you are a small business with ten or less employees you can either not offer health coverage, or get tax credits for up to 50% of employee premium costs.
Only people who file taxes together can be covered under a family plan together, even if two people share a child or live together.
The ACA does not require coverage of prophylactic mastectomy or reconstruction procedures, but some state laws do. Thus it will be plan specific and state specific.
Wellness visits and key preventive care are covered with no out-of-pocket costs, but some related services aren’t covered without cost sharing.
An incarcerated person can’t use the Marketplace, doesn’t owe the fee for not having coverage, and can be dropped from a family plan without penalty.
A student health plan counts as Minimum Essential Coverage for ObamaCare for ObamaCare if it’s fully insured or self insured, paying for university medical or counseling services doesn’t necessarily count as a student plan.
Life insurance, unlike health insurance under ObamaCare, is not typically guaranteed issue. However, there are options for those with chronic illnesses.
If you file a tax extension with form Form 4868 the extension applies to all ACA related tax forms including Form 8962 for tax credits and Form 8965 for exemptions.
ObamaCare is short for the Affordable Care Act and is a U.S. law so it won’t go away when Obama leaves office. All Republican candidates want to repeal it, but will have a hard time undoing many of it’s provisions due to the way our system works.
Typically when switching employers you’ll need to give up the group health plan you are on and switch to a plan the new employer offers.
The key to working and getting affordable health insurance, with serious medical conditions is cost assistance and taking all available tax deductions.
The waiting period for health insurance through an employer is a maximum of 90 days. The exact waiting period is at the discretion of the employer.