Use our Questions and Answers section to get answers to questions regarding ObamaCare, TrumpCare, or HealthCare in general, or to ask us a question.
Wondering How to use the Q&A section?
Simply click on a question
to get our answer and to see answers from our readers; Or, use the search bar
at the top of the page to search for a specific question. If you can’t find an answer, go ahead and ask
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.
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.
To have maternity coverage in a state when moving you can enroll via special enrollment or get Medicaid. For traveling your current insurance covers emergencies.
If you are charged for covered in-network services not subject to cost sharing. Don’t pay, call your insurer and healthcare provider and have them recode and resubmit the bill to the insurer.
Most medical expenses are HSA eligible, but some things like cosmetic surgery aren’t. Since this is related to trauma or disease it should be covered.
If coverage ends due to non-payment you don’t qualify for special enrollment and can’t get a plan until next open enrollment. That doesn’t mean you have no options
If an employer offers grandfathered or large group coverage that doesn’t offer all benefits of the ACA it may still count as minimum essential coverage.
People filing taxes together should get a family plan together, if you want your own plan simply leave the plan and get individual coverage starting Jan 1st.
A public company can refuse to offer birth control for religious reasons, but a third party must provide free birth control to all employees with coverage.
All plans must offer pediatric dental, but people can refuse pediatric dental. Some people may not realize that pediatric dental is covered and thus not use it.
It’s legal for your employer to cut back your hours to avoid offering coverage, but you can use the marketplace to get cost assistance.
You must project to claim at least 100% of the Federal Poverty Level in household income to qualify for tax credits through ObamaCare. This is true in all states.
The Affordable Care Act covers screening and counseling for domestic and interpersonal violence as a free preventive service for women.
We have reported that our joint income will be 25,000 for this tax year. If our income falls slightly below this amount, will we still be eligible for Obama Care or would this negatively affect us? I understand that the limit to be eligible is 12500 per person..
Under ObamaCare when studying abroad you can get a PPO with coverage outside of the US, a student health plan, an employer plan, or some foreign insurance to avoid the fee, travelers insurance won’t avoid the fee.
If you need a specific drug you should contact insurers that sell plans in your region and find out what plans sold on the Marketplace cover it.
There aren’t copayment restrictions, but plans must offer an actuarial value of at least 60%, which means they must pay on average 60% of all costs of all people on the plan.
Marketplace cost assistance is based on annual MAGI, but Medicaid can use monthly MAGI. This means lump-sum income can throw off cost assistance for the year.
You can switch health plans via ObamaCare’s special enrollment every time you have a qualifying life event, even if it’s the same event more than once.
There is no microchip coverup or conspiracy in ObamaCare. ObamaCare is a law focused on helping Americans by improving healthcare and health insurance.