Health Insurance Marketplace

You can appeal any HealthCare.Gov or state Marketplace decision in regards to coverage or cost. Typically the process will take 90 days at most.

All Silver plans offered on the Health Insurance Marketplace offer cost sharing reduction subsidy options. The amount of reduction you qualify for is based on your projected income.

In most cases the application process for ObamaCare’s Marketplace is immediate. In some cases the application could take verification

US citizens, nationals, and lawfully present immigrants can get ObamaCare’s Marketplace coverage, undocumented immigrants can’t, and Medicaid has special rules.

You have until April 30, 2015 to enroll in a Marketplace plan if you don’t have coverage and would owe the fee from 2014.

The only way to switch carriers outside of ObamaCare’s open enrollment period is via a special enrollment period.

If you have been out of the country and move back to the US then it triggers a special enrollment period to get coverage outside of open enrollment.

Access to cost assistance is based on filing status. If you plan to file separately then you can get an individual plan with tax credits, even if you aren’t divorced.

If a single person get’s married they can use special enrollment to switch to a family plan. They will need to adjust tax credits on form 8962 at the end of the year.

If you have to move from one state to another enroll at least 30 days before you move so your new coverage can start when the old one ends. You’ll need to apply for a special enrollment period.

When you sign-up for ObamaCare’s Health Insurance Marketplace you’ll project income based on your expected household income for the year, if you are unsure make an educated guess and consider only taking part of the tax credit up front

Any legal US resident can enroll in the Health Insurance Marketplace. Subsidies are offered to anyone that qualifies, but Medicaid and CHIP have restrictions in many states.

Applying and enrolling aren’t the same thing. For most people the application process takes 15 minutes. Getting the application approved can take longer

You can get ObamaCare as a secondary insurance, but you can’t get tax credits on it. Generally holding more than one comprehensive insurance plan makes no sense.

If you tried to change your health plan, but the change didn’t go through, here is what you do.

You can log into the marketplace to see if your plan was renewed. You can also call your insurer. In general only some plans auto-renew, so you’ll want to check by December 15th each year.

If you can’t pay your health insurance premium through the Marketplace, you can simply call up your insurer and pay them.