Medicare Doesn’t Cover Everything; Supplemental Medicare Can Help Original Medicare doesn’t cover everything, and this can result in high costs and coverage gaps. Supplemental Medicare coverage like Part D, Medigap, or Medicare Advantage (Part C) can help. Understanding What Medicare Does and Doesn’t Cover and What You Can Do About It Medicare enrollees lack crucial… Read More
Under the Affordable Care Act (ObamaCare) marketplace cost assistance and Medicaid eligibility are based on household income and family size, not assets. The only exceptions to this are Medicaid’s Asset Rules for long-term end of life care (which does count assets) and Medicaid in states that didn’t expand Medicaid (those states may have special rules)…. Read More
The CBO says the Bipartisan Health Care Stabilization Act of 2017 would cut the deficit by $3.8 billion over ten years and would not substantially change uninsured rates.
What is ObamaCare? Understanding The Affordable Care Act (ACA) “ObamaCare” is a nickname for the healthcare law known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The law is often called the Affordable Care Act (ACA) for short. Many people are aware of the basics of the Affordable Care Act (ACA). They are aware… Read More
Trump’s move to cut Cost-Sharing Reduction assistance will likely result in lower premiums for those who qualify for Premium Tax Credits on Bronze, Gold, and Platinum plans.
We discuss how Trump’s announcement to cut cost-sharing reduction (CSR) subsidies will affect those who qualify for CSR assistance and those who don’t.
We cover 5 steps to take to get the best medical insurance you can afford so you can get the best deal on health insurance available to you.
The White House announced that the Trump administration will no longer reimburse insurers for ObamaCare’s cost-sharing reduction subsidies.
The facts below are our original “ObamaCare facts” page. These ObamaCare facts will give you a sense of how things used to be and what has changed. See our up-to-date “ObamaCare” facts page here. It is easy to forget that time when women paid more than men for health insurance, or when you could be denied… Read More
How Do I Use Healthcare.gov to Sign Up, Shop For Plans, Get Assistance, and Enroll in Health Insurance? We explain how to use the official Health Insurance Marketplace HealthCare.Gov to sign up, shop for coverage, get assistance, and enroll in a health plan. First, to get started, you will need to go to HealthCare.Gov and select your state… Read More
Everything You Need to Know About Open Enrollment Get covered during open enrollment under the Affordable Care Act. Open enrollment starts Nov 1st and ends Dec 15th in most states. Unless you have access to coverage through work, Medicare, or another source, open enrollment is the only time of year you and your family can… Read More
How to Get Help With Health Insurance When Healthcare.gov is Down We explain what to do when the Healthcare.Gov Marketplace website is down during open enrollment. One option is to get help from a qualified broker. This can either involve calling a HealthCare.Gov approved broker, or calling HealthCare.Gov directly at 1-800-318-2596 (TTY: 1-855-889-4325) (although if the… Read More
2018 Premium Tax Credits Under the Affordable Care Act (ObamaCare) We explain how Premium Tax Credits work on 2018 health plans under the Affordable Care Act (ObamaCare). Tax credits can be taken in advance, or at tax time. In other words, ObamaCare’s Premium Tax Credits (PTC) can be paid to your insurer in advance as… Read More
Out-of-Pocket Maximums and Deductible Limits For 2018 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2018 plans for individuals and families. For 2018, your out-of-pocket maximum can be no more than $7,350 for an individual plan and $14,700 for a family plan before marketplace subsidies. For 2018, your maximum deductible is… Read More
Below is a copy of the 2015 study published on HHS, “The Potential Fiscal Consequences of Not providing CSR Reimbursement.”
ObamaCare’s open enrollment period for 2018 starts on November 1st, 2017 and ends on December 15th, 2017. This is what you need to know to enroll for 2018. Some states have longer enrollment periods, so you will have to check your state’s rules. • Open enrollment is the only time you can get cost assistance, enroll… Read More
Do Incarcerated Individuals Get Healthcare? Incarcerated Individuals and Marketplace Health Coverage, Private Health Coverage, Medicaid, Medicare, and SSI We explore the rights of incarcerated individuals to Medicaid, Medicare, and SSI, which provide continued care for incarcerated people after confinement. All incarcerated people have a right to medical care and attention. However, incarcerated individuals don’t have the… Read More
We explain the gist of the Graham-Cassidy Obamacare repeal bill. In short, it looks a lot like the last repeal attempt, the Better Care Reconciliation Act.
Understanding the 2018 Federal Poverty Guidelines For Cost Assistance Under the Affordable Care Act (ObamaCare) in 2018 and 2019 We explain the 2018 Federal Poverty Guidelines for assistance under the Affordable Care Act (ObamaCare). You’ll use these guidelines to determine cost assistance on plans sold during 2019’s open enrollment season. How Cost Assistance Works With… Read More
We look at the Affordable Care Act, asking why many people’s medical insurance or care is unaffordable.
Open enrollment is still on for ObamaCare (the Affordable Care Act). 2018 open enrollment starts November 1, 2017, and ends December 15, 2017 (extended to January 2018 in some states).
We explain the August 15, 2017 CBO and JCT report on the effects of ending cost-sharing reduction payments to insurers.
We explain how Trump can obstruct ObamaCare by “blocking insurer bailouts” (by not reimbursing insurers for cost sharing assistance.)
Is Trump Sabotaging the ACA? (Opinion) Since his election, the Trump administration worked to repeal and replace the ACA. We discuss what has been accomplished and ask “has the Trump administration sabotaged the ACA?” Keep in mind this is an article that entertains opinion and takes the standpoint of examining a critic’s take on the… Read More
Everything You Need to Know About Enrolling in TrumpCare We explain how to sign up for TrumpCare and enroll in a TrumpCare plan (i.e., how to sign up for health insurance under President Trump). That means we’ll explain health insurance enrollment dates, how to get cost assistance, and other important information for getting covered under… Read More