The three month coverage gap covers less than three months in a row per year. So a person can go up to two full months in a row, but then must have coverage for at least one day of the third month.
Affordable Care Act Vision Coverage Vision insurance generally isn’t covered under the Affordable Care Act (ObamaCare). However, pediatric eye care is a required benefit included on all plans that qualify as minimum essential coverage under the ACA. Even though adult vision coverage isn’t a required benefit of ObamaCare, “vision health” is still an important aspect… Read More
A list of ObamaCare’s Exemptions, including Hardship Exemptions, you can apply for in order to qualify for Special Enrollment or be exempt from the fee can be found below. This page just covers the basics, see our page on ObamaCare Exemptions for further details on exemptions and the fee (active on plans held in 2014 –… Read More
ObamaCare decreases the deficit and debt with cost controlling provisions and taxes, but subsidies, protections, and healthcare spending may result in more debt over the long term if no further changes are made. UPDATE 2019: This page was created in 2015, numbers have been revised since this was written. So the logic remains the same, but the specific numbers need to… Read More
Some say ObamaCare doesn’t do enough to control health care cost. Let’s look at how ObamaCare controls healthcare spending with cost controlling provisions. TIP: To find out what coverage under the Affordable Care Act will cost you, make sure to check out the healthcare.gov marketplace and find your cost after assistance is applied. Taxpayers are benefitting as… Read More
The Forms Needed if You Got Marketplace Tax Credits Under the Affordable Care Act (ObamaCare) Find out how to fill out Premium Tax Credit Form 8962, the form for reporting ObamaCare Tax Credits. We’ll review MAGI, FPL, and Adjusting credits. The form can seem daunting at first, but by understanding what all the fields mean,… Read More
Here is a quick list of tips for getting the best health plan. No matter how you shop, this list will ensure you don’t over or under-buy health insurance. NOTE: Finding the best health plan for you and your family depends on your family size, income, needs, region, and more. The best plan for one… Read More
ObamaCare enrollments can be looked at in a few ways: current Marketplace enrollments, current insured under the ACA, and total average insured for the calendar year. Depending on how we are looking at the numbers, and what other factors we take into account, the answer to, “how many people enrolled in ObamaCare” changes. For instance… Read More
What is a Health Insurance Premium? Your health insurance premium is the amount paid to an insurer, typically per month, for a health plan. Tax Credits are available to lower monthly premiums through the Health Insurance Marketplace. If you have coverage through work, your employer typically pays part of your premium. Let’s look a little more… Read More
If you are under 30 or obtained a “hardship exemption” you qualify for a high deductible, low premium, catastrophic plan. Catastrophic health plans are the cheapest plan you can get that counts as minimum essential coverage. Catastrophic plans can be good for those who want cheap, barebones care. Catastrophic plans tend to trade a low… Read More
ObamaCare’s impact on Walmart seem to have brought a new business opportunity, and a sad day for employees. Walmart cut back benefits for part-time workers in an effort to cut healthcare costs before the looming 2015 mandate to insure full-time workers. The end result of Walmarts reaction to ObamaCare for the employees won’t be too… Read More
Get the Facts on Who Signed Up For Health Insurance Outside of the Health Insurance Marketplace Between 15-25 million enrolled outside of the marketplace in 2014. Let’s take a look at enrollment numbers outside of ObamaCare’s marketplace. In 2013 over 15 million people enrolled in private health plans. In 2014 about 4.7 million were estimated… Read More
Medicare Open Enrollment Medicare open enrollment is the time when you can enroll in Medicare. Medicare Part A, B, C, D, and Medigap have different enrollment period dates. Below we will review all the Medicare open enrollment dates and attempt to provide every detail and answer in the simplest way possible. When in doubt go to Medicare.gov or… Read More
Everything You Need To Know About Short Term Health Insurance Under the Affordable Care Act Short term health insurance is meant to provide temporary health coverage. Short term plans don’t have to offer all of ObamaCare’s benefits and protections. Pros and Cons of Short Term Health Insurance The pros and cons of short term health… Read More
The Small Business Health Insurance Marketplace Employers can use the SHOP Marketplace (Small Business Health Options Program) to get lower costs on group plans and claim tax credits. In 2015, employers with less than 50 full-time equivalent workers (FTE) can use the SHOP. In 2016, the SHOP opens for businesses with 100 or less FTE. FACT:… Read More
What is a Qualified Health Plan? Under the Affordable Care Act (ObamaCare), a Qualified Health Plan (QHP) is a health plan certified by the marketplace to meet new benefit and cost sharing standards. Qualified Health Plans include all the metal plans sold on the marketplace and count as minimum essential coverage. Let’s take a look… Read More
Guide to Buying Health Insurance: How Health Insurance Works Our guide to buying health insurance walks you through how health insurance works and how to buy health insurance plans under the Affordable Care Act (ACA or Obamacare). Below we take a look at how ObamaCare affects buying health care plans, different ways to buy health insurance under… Read More
The Types of Health Insurance Plans Sold On and Off of ObamaCare’s Marketplace There are four types of health insurance plans available through ObamaCare’s Marketplace. They are Bronze, Silver, Gold, and Platinum health insurance plans. These Qualified Health Plans represent four tiers of coverage and are sometimes referred to as “metal plans” due to their… Read More
How to Use Your State’s Health Insurance Marketplace to Buy “Affordable” Health Insurance ObamaCare’s Health Insurance Marketplace, or ObamaCare Marketplace, is your State’s price comparison website for subsidized health insurance under the ACA. The following guide will explain the marketplace and how you, your family, and your business can compare health plans and qualify for… Read More
The Health Insurance Exchanges Explained: A Complete Unbiased Guide to the ObamaCare Health Insurance Marketplace. Our Health Insurance Exchange Guide makes using ObamaCare’s Health Insurance Marketplace easy. Get how-to’s, tips and tricks on using the marketplace. Our guide covers everything from applying for premium tax credits and out-of-pocket cost assistance, to comparing qualifying health plans,… Read More
Everything You Need to Know About Health Insurance for 2015 and Beyond We take an in-depth look at health insurance in the US, including how it works, what key health insurance terms mean, and how ObamaCare changes things. We touch on every detail you need to know to understand the complex gateway to health care in… Read More
¿Qué es ObamaCare | Qué es la Ley de Cuidados de la Salud Asequibles (Affordable Care Act)? ObamaCare (Ley de Cuidados de la Salud Asequibles o Affordable Care Act) es una reforma de salud en E.E.U.U. que extiende y mejora el acceso a los cuidados de salud y disminuye el gasto mediante regulaciones e impuestos…. Read More
ObamaCare Facts 2020: Nosotros te decimos los hechos, no los puntos de discusión Plan Salud ObamaCare en Español; Les presentamos los Datos Sobre el Plan de Salud de ObamaCare en español. Nosotros te decimos los hechos, no los puntos de discusión. Conozca los hechos de ObamaCare (la Ley de Protección a Pacientes y Cuidados de… Read More
A Summary of Supreme Court Cases Pertaining to the Affordable Care Act Supreme Court ObamaCare; ObamaCare has been taken to the Supreme Court once already for repeal. Aside from ObamaCare’s Supreme Court rulings, the Affordable Care Act has seen over 50 repeal attempts by the house and senate. IMPORTANT UPDATE: A Texas federal judge ruled the Affordable Care… Read More
Learn About Your State’s Health Insurance Exchange Marketplace ObamaCare’s state Health Insurance Exchanges are now open for business. You can find your state’s Health Insurance Marketplace and apply for health coverage today. Use the list of state-based marketplaces (also referred to as exchanges) to locate your state’s marketplace or check if your state uses the… Read More