A major medical health insurance plan generally describes any private individual or family plan sold after 2014 that follows the ACA’s new guidelines. This means it is a plan that counts as minimum essential coverage, offers the ten essential health benefits, follows guidelines for deductible and out-of-pocket maximum limits, and covers “major expenses” associated with serious illness… Read More
The Individual Mandate Fee for 2017: Not Having Health Insurance in 2017 Although the 2017 ObamaCare fee isn’t published yet, we can look at the 2016 fees to get a rough estimate of the penalty for not having health insurance in 2017. “For 2016 the annual fee for not having insurance was $695 per adult and $347.50 per child… Read More
Understanding ObamaCare’s 2017 Open Enrollment Period Open Enrollment 2017 started November 1, 2016 and ended January 31, 2017. Open enrollment is the only time you can enroll in a health plan on the individual market without qualifying for special enrollment. That means if you wanted to get cost assistance and avoid the monthly fee for 2017,… Read More
Does Everyone Have to Get Coverage Under the Affordable Care Act? As of 2019 ObamaCare is optional, not mandatory. There is no requirement to get coverage or fee for not having coverage under In most states. With that said, you’ll have to shop for coverage during open enrollment unless you qualify for special enrollment and… Read More
The Ways in Which ObamaCare is and isn’t Free ObamaCare is free for some via Medicaid expansion, offers cost assistance to others via the marketplace, and cost those without cost assistance money. Below we discuss all the ways ObamaCare is or isn’t free depending on income and state. TIP: All cost assistance mentioned below is based on family size… Read More
The Supreme Court of the United States ended their deliberation on ObamaCare’s contraceptive requirement in a 4-4 tie.
We explain some ideas for how to fix ObamaCare (the Affordable Care Act). The goal is to seek universal coverage and fix the ACA’s sticking points.
Obama has vetoed the first ObamaCare repeal bill to successfully pass the senate, the bill also included measures to defund Planned Parenthood.
Out-of-pocket costs, the GOP’s rejection of Medicaid, the family glitch, and premium increases. These are ObamaCare’s sticking points.
Cómo Registrarse para tener Seguro Médico bajo la Ley de Cuidados de la Salud Asequibles (Affordable Care Act) Para registrarse a ObamaCare encuentre el mercado de seguros de su estado, regístrese e inscríbase. Realice su registro para ObamaCare durante el registro abierto. Las instrucciones para registrarse, los detalles sobre cuotas, excepciones, periodos de registro e inscripción, e… Read More
Subsidios de ObamaCare en el Mercado de Seguros Médicos de su Estado Los subsidios de ObamaCare pueden ahorrarle dinero en sus primas y pagos adicionales. Los subsidios de ObamaCare solo están disponibles a través del Mercado de seguros, veamos que son los subsidios, cómo funcionan y cómo los puede aplicar para lograr un seguro médico… Read More
We explain Scott Walker’s plan to repeal and replace ObamaCare. We compare it to the ACA and examine what it gets right and wrong.
Insurers can charge a group health plan as a whole more based on health status, but not individuals or families. The law doesn’t actually protect groups of people for being charged more
To switch to an individual plan from a family plan outside of open enrollment you need to have a qualifying life event that triggers a special enrollment period.
An employer can offer coverage to an employee and the employee can simply decline coverage. The mandate says an employer has to offer coverage, not that an employee has to accept it.
ObamaCare covers one type of birth control per person from each of 18 FDA-approved categories at no out-of-pocket cost, although some plans have exemptions. This page will tell you what kinds of birth control are covered, which health plans have exemptions, how to get free birth control under the Affordable Care Act, and how to get help… Read More
Employers have pretty specific rules for health insurance reimbursement programs. The goal was to prevent large employers from skirting the mandate by reimbursing Marketplace subsidized coverage.
Rep. Cathy McMorris Rodgers, R-Wash used her GOP clout to fish for ObamaCare horror stories, but came up with success stories instead.
Under the Affordable Care Act (ObamaCare) if you didn’t have health insurance for the whole year you may owe the fee, but if you had coverage for some of the year you may qualify for an exemption.
ObamaCare’s Cadillac Tax is a 40% excise tax on high end plans above $10,200 for individuals and $27,500 for family coverage that was set to start in 2018 but was been delayed. This tax is not deductible. The excise tax is one of the main revenue sources for the ACA, helps curb healthcare costs, and… Read More
ObamaCare and Health Insurance for the Self-Employed The Affordable Care Act (ObamaCare) has some important implications for how the self-employed go about obtaining, maintaining, and paying for health coverage. If you’re self-employed, most of the healthcare provisions in the ACA apply to you. Let’s take a look at how you’re affected by ObamaCare, how you can reduce the cost of coverage, and how… Read More
Second Lowest Cost Silver Plans and Lowest Cost Bronze Plans Explained The Second Lowest Cost Silver Plan (SLCSP) is a key plan on each state’s Marketplace, used to calculate the cost assistance you may qualify for under ObamaCare. Similarly, the Lowest Cost Bronze Plan in each state’s Marketplace is used to determine affordability for certain… Read More
DACA recipients don’t owe the fee and aren’t required to get coverage. They cannot use the Marketplace, but can get covered by Medicaid in some states or by their employer.
Under ObamaCare, you are allowed one short coverage gap exemption which covers less than three months in a row without coverage each year. In other words, you are exempt for two full months but need to have coverage for at least one day of the third month. Beyond the short coverage gap exemption, there are other… Read More
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.