ObamaCare Facts 2023 – We Tell you the Facts, Not The Talking Points We provide up-to-date facts on ObamaCare (the Affordable Care Act). Get the ObamaCare facts on enrollment, assistance, benefits, plan types, and more. What is ObamaCare? The official name for “ObamaCare” is the Patient Protection and Affordable Care Act (PPACA), or Affordable Care Act (ACA) for short. The… Read More
How ObamaCare Works For You, Your Family, and Your Business We cover everything you need to know about how ObamaCare works for you, your family, and your business. Below you’ll find overviews of what ObamaCare does, how to use the Health Insurance Marketplace for low-cost coverage, deadlines for getting coverage, and a breakdown of some key… Read More
What are Federal Poverty Levels Used for? Federal Poverty Levels, also known as Federal Poverty Guidelines, Federal Poverty Line, or simply FPL, are used to determine eligibility for cost assistance when purchasing insurance through the State or Federal Health Insurance Marketplace. Federal Poverty Levels are also used to determine eligibility for Medicaid, CHIP, and various other non-healthcare-related assistance… Read More
What Are Essential Health Benefits? Ten Essential Health Benefits must be offered at no dollar limits on every health plan under the Affordable Care Act (ObamaCare). Essential Health Benefits consist of ten categories of items and services required for all individual and small group plans after 2014. Essential Health Benefits are the types of care… Read More
Affordable Care Act Dental Coverage Dental insurance, for the most part, isn’t covered under ObamaCare (the Affordable Care Act). However, children’s dental coverage is a required benefit included on all ACA compliant plans, and cost assistance can be applied to any Marketplace plan that includes dental. Although dental isn’t a required benefit of the Affordable Care… Read More
If You Like Your Plan, You Can Keep it… If you like your plan you can keep it. Under ObamaCare you can keep your health insurance until 2015, even if it doesn’t comply with the ACA. Come 2015, if your plan doesn’t have a grandfathered status and doesn’t meet the requirements of the ACA, then… Read More
New Benefits, Rights, and Protections in the Affordable Care Act ObamaCare offers many new benefits, rights, and protections. Most of the benefits of ObamaCare are already here, more benefits are coming. A Summary of ObamaCare’s Benefits, Rights, and Protections Benefits, rights, and protections of the Affordable Care Act (also called the ACA or Obamacare), include:… Read More
Understanding the December 2024 Health Plan Enrollment Deadline Today is the last day to enroll for coverage that starts January 1st, 2025. The December 15, 2024, deadline for health plan enrollment is crucial for ensuring that health coverage begins on January 1, 2025. Missing this deadline means coverage will not start until February 1, 2025,… Read More
There is no Obamacare subsidy cliff for 2025 open enrollment, that means families will not lose out on tax credits simply for making over 400% of the poverty level.
“Open enrollment 2025” refers to the designated period in late 2024 when individuals, families, and businesses have the opportunity to select their health insurance plans for the subsequent year. This enrollment window is of paramount importance as it provides a specific timeframe for people to secure, update, or renew their health coverage, which will become… Read More
The 2024 Federal Poverty Guidelines (for 2025 Cost assistance and 2024 Medicaid/CHIP) Below are the 2024 Federal Poverty Guidelines that went into effect in early 2024 (the ones you use for 2024 Medicaid/CHIP and for 2025 marketplace cost assistance). These guidelines are the key to all cost assistance under the Affordable Care Act. Specifically, these guidelines… Read More
ObamaCare Health Insurance Deadline 2025 ObamaCare’s Open Enrollment period for 2025 health plans starts November 1, 2024, and ends January 15, 2025, in most states. Plans sold during Open Enrollment start as early as January 1, 2025. Open enrollment is the only time of year you can enroll in a health plan, switch plans, or… Read More
The Affordable Care Act (ACA) open enrollment for 2024 is here. Running from November 1, 2023, through January 15, 2024, open enrollment allows individuals and families to either sign up for new health insurance plans or make changes to their existing ones.
What Happens if I Missed the Deadline for ObamaCare? If you miss the annual deadline for ObamaCare Open Enrollment, you might miss your opportunity for cost-assisted coverage. However, you may still have options for obtaining health insurance. Open enrollment for private individual and family health plans is limited each year. For example, most states have… Read More
The ACA and Its Ongoing Legal Battles The Patient Protection and Affordable Care Act, commonly known as the ACA, has been a cornerstone of American healthcare policy for over a decade. Its significance? It aimed to make health care more accessible and affordable for millions of Americans. While the Court did uphold the ACA in… Read More
The Affordable Care Act (ACA) Under Threat The Affordable Care Act (ACA), a landmark health insurance law, has faced numerous challenges since its inception 13 years ago. Today, it finds itself in new jeopardy. The focus this time is on a vital provision of the ACA – the requirement for free coverage of preventive health… Read More
On Thursday, March 30, 2023, a Texas federal judge invalidated the Affordable Care Act (ACA) mandate requiring insurers to cover specific preventive services for free, such as certain cancer screenings and medicines for preventing heart disease. The ruling could affect over 150 million Americans’ out-of-pocket costs for these services. Immediate implications are unclear, and health experts don’t expect significant short-term changes. The Biden administration is expected to appeal the decision, which could lead to further legal proceedings.
The 2023 Federal Poverty Guidelines (for 2024 Cost assistance and 2023 Medicaid/CHIP) Below are the 2023 Federal Poverty Guidelines that went into effect in early 2023 (the ones you use for 2023 Medicaid/CHIP and for 2024 marketplace cost assistance). These guidelines are the key to all cost assistance under the Affordable Care Act. Specifically, these guidelines… Read More
ObamaCare Health Insurance Deadline 2024 ObamaCare’s Open Enrollment period for 2024 health plans started November 1, 2023, and ends January 15, 2024, in most states. Plans sold during Open Enrollment start as early as January 1, 2024. Open enrollment is the only time of year you can enroll in a health plan, switch plans, or… Read More
Medicare open enrollment 2023 ends December 7th. Don’t forget to shop for Medicare Advantage and Medicare Part D plans! Every year during Medicare’s Annual Enrollment you can make changes to your coverage and enroll in a Medicare plan. During this period: You can switch from Original Medicare to Medicare Advantage with or without a drug… Read More
Health Saving Accounts and ObamaCare for 2023 We cover everything you need to know about Health Savings Accounts (HSAs) for 2023, including how HSAs work with health plans under the Affordable Care Act. TIP: The Affordable Care Act is sometimes called “ObamaCare” or the “ACA” for short. Thus, this page is about HSAs and how… Read More
Dates and Deadlines For the 2023 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2023 health plans starts November 1, 2022, and ends January 15, 2023, in most states. Plans sold during Open Enrollment start as early as January 1, 2023. Open enrollment is the only time of year… Read More
Health Saving Accounts and ObamaCare for 2022 We cover everything you need to know about Health Savings Accounts (HSAs) for 2022, including how HSAs work with health plans under the Affordable Care Act. TIP: The Affordable Care Act is sometimes called “ObamaCare” or the “ACA” for short. Thus, this page is about HSAs and how… Read More
The American Rescue Plan effectively closed the Medicaid gap for people on unemployment for 2021 – 2022. In other words, people under 100% FPL who are not eligible for Medicaid in states that didn’t expand Medicaid and who are also on unemployment can now get marketplace subsidies under the Act. While closing the gap didn’t… Read More
The 2021 Federal Poverty Guidelines (for 2022 Cost assistance and 2021 Medicaid/CHIP) Below are the 2021 Federal Poverty Guidelines that went into effect in early 2021 (the ones you use for 2021 Medicaid/CHIP and for 2022 marketplace cost assistance). These guidelines are the key to all cost assistance under the Affordable Care Act. Specifically, these guidelines… Read More