Gender ratings (charging women more than men or vice versa for health coverage) are illegal under the ACA, but some plans are grandfathered in and can charge more based on gender and discriminate based on health.
All plans that offer coverage to children must offer pediatric dental, but not adult. If your plan doesn’t offer dental you can get it as a standalone plan during open enrollment.
Under ObamaCare HHS eliminated composite ratings which allowed group plans to charge uniform premiums and now must use individual rates or state specific versions.
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
If you don’t know what you’ll make, we suggest getting a Marketplace Silver plan, only taking partial tax credits up front, and adjusting cost assistance as needed.
Ted Cruz may “get ObamaCare” or as we like to call it “buying health insurance”. Ted Cruz is a showman and we expect he’ll use this experince as a stunt, if he does decide to go through with it.
According to PwC more than 90 new companies related to healthcare have been created since the ACA was signed into law. As more people get access to healthcare new companies are entering the nearly $3 trillion health care market.
16.4 million uninsured gained health insurance under the Affordable Care Act (ObamaCare) for a 35% reduction in uninsured as of March 2015.
We explain how to file your taxes if you got an incorrect 1095-A, didn’t get a 1095-A, or didn’t get an Electronic Confirmation Number.
The best health insurance plan for an individual or family is going to depend on the income and needs of that family. With that said, many will find a marketplace plan that qualifies for cost assistance to be the best value for them. Very generally speaking the best health plan when it comes to benefits… Read More
All non-grandfathered plans sold after 2014, that count as comprehensive coverage, have to cover preexisting conditions without exclusions or look-back periods.
Summary of the Health Care and Education Reconciliation Act of 2010 The HealthCare and Education Reconciliation Act of 2010 was signed into law along with the Patient Protection and Affordable Care Act, below is a summary. The health care related sections of both of these laws is what we usually think of as “ObamaCare”. The Student Aid and Fiscal… Read More
Insurers can still use loopholes to deny claims for preexisting conditions, although all new plans have to cover you, can’t drop you for being sick, can’t charge you more, and must pay claims on covered benefits.
Orrin Hatch’s replacement plan for ObamaCare, dubbed “the freedom option” in a WSJ op-ed, is an alternative to amending the law to clarify that Healthcare.Gov can issue subsidies, and is essentially a rehash of the old “repeal ObamaCare” plan.
All private health plans that protect you from the fee include child dental and vision as a benefit, even if you already have it. You can reject dental or vision as a standalone, but won’t avoid the fee by having just dental or vision.
Only those with Silver marketplace plans, who make less than 250% FPL, can get cost assistance to lower deductibles. $6,600 for an individual $13,200 for a family.
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
By the end of open enrollment 2015 an estimated 11.4 million people were enrolled in ObamaCare.
If employer coverage would cost more than 8% of your household income then you can claim an affordability exemption. If your employer offers a plan that costs more than 9.5% of household income then you can have them fill out an employer coverage tool and use the Marketplace.
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
Get the facts on the ObamaCare replacement plan by Burr, Hatch, and Upton: the Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act. Below we present a summary, some quick facts, a pros and cons chart, a complete section-by-section breakdown, and finally we compare the CARE Act proposal to ObamaCare. Keep in mind this is an older replacement… Read More
ObamaCare sign up numbers reach 10 million after a surge in Federal Marketplace enrollments. A February 2015 HHS report shows ObamaCare is working. Enrollment numbers have surpassed 10 million between the state and federal marketplaces. It also points out some other really cool and groundbreaking facts about the uninsured rate (updated with citations on March 18 2015)…. 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
The Individual Shared Responsibility Payment is the fee for not having Minimum Essential Coverage. Follow our guide to make calculating your payment easy. UPDATE 2019: For 2019 forward there is no fee for not having health insurance in most states. In this sense, the Individual Shared Responsibility Provision has been effectively repealed as the federal… Read More