Information on the ACA for 2019 – 2020.

The Federal Poverty Level Guidelines For 2019 and 2020 Coverage


Below are the Federal Poverty Level Guidelines (FPL) used to determine cost assistance for 2019 and 2020 health coverage under ObamaCare. Please note that cost assistance for plans is based on the federal poverty levels from the previous year, so for example 2020 coverage is based on the 2019 poverty levels (you can see a… Read More

Cost Sharing Reduction Subsidies 2020


Cost Sharing Reduction (CSR) subsidies reduce your out-of-pocket expenses on silver plans purchased through the health insurance marketplace for those with incomes between 100% – 250% of the poverty level. CSR subsidies lower your coinsurance, and lower copays, deductibles, and maximum out-of-pocket costs you will pay in a policy period. They are lowered by a… Read More

Sign Up for ObamaCare 2020


How to Sign Up For Health Insurance Under the Affordable Care Act During the 2019 – 2020 Open Enrollment Season Sign up for ObamaCare between November 1 and December 15, 2019 to get health coverage and cost assistance for 2020. Get covered at Healthcare.Gov. TIP: Open enrollment for 2021 starts Nov 1 2020. Learn more about… Read More

Short Term Health Insurance for 2020


Getting Short Term Health Insurance For 2020; Including Short Term as an ObamaCare Alternative For 2020 you can opt to get short term health insurance instead of a marketplace plan, however short term plans don’t offer all the benefits, rights, and protections of comprehensive health insurance. Why Choose Short Term Insurance Since the fee for… Read More

Premium Tax Credit Caps for 2020


The Premium Tax Credit Subsidy Caps By Percentage of Household Income for SLCSP 2020 Premium tax credit caps on 2020 marketplace coverage range from 2.06% – 9.78% of income based on the 2019 federal poverty level. Premium tax credits are tax credits that can be taken in advance as Advanced Premium Tax Credits or at… Read More

List of States With Mandates for 2020


A List of States With a Health Insurance Requirement and Fee for 2020 Although the fee for not having health insurance has been reduced to $0 on a federal level since 2019, some states still have an individual mandate. Here is a list of states where you have to buy health insurance for 2020. TIP:… Read More

Out-of-Pocket Maximums and Deductible Limits for 2020 Health Plans


Out-of-Pocket Maximums and Deductible Limits For 2020 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2020 plans for individuals and families. For 2020, your out-of-pocket maximum can be no more than $8,150 for an individual plan and $16,300 for a family plan before marketplace subsidies. For… Read More

HSA Limits for 2020


Health Saving Accounts and ObamaCare for 2020 We cover everything you need to know about Health Savings Accounts (HSAs) for 2020, 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

2020 Cost Assistance Obamacare


Everything You Need to Know About Obamacare Cost Assistance For 2020 We cover everything you need to know about cost assistance on 2020 health plans under the Affordable Care Act (ObamaCare). In other words, here is everything you need to know about Premium Tax Credits, Cost Sharing Reduction Subsidies, Medicaid and CHIP, HSAs, and Medical… Read More

Out-of-Pocket Maximums and Deductible Limits for 2019 Health Plans


Out-of-Pocket Maximums and Deductible Limits For 2019 Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2019 plans for individuals and families. For 2019, your out-of-pocket maximum can be no more than $7,900 for an individual plan and $15,800 for a family plan before marketplace subsidies. For… Read More

HSA Limits for 2019


Health Saving Accounts and ObamaCare for 2019 We cover everything you need to know about Health Savings Accounts (HSAs) for 2019, 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

Open Enrollment 2020 Dates and Deadline


Dates and Deadlines For the 2020 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2020 health plans started November 1, 2019 and ended December 15, 2019 in most states. Plans sold during Open Enrollment start as early as January 1, 2020. Open enrollment is the only time of year… Read More

ObamaCare 2019


Everything You Need to Know About ObamaCare for 2019: Information on Subsidies, Rates, Dates, Enrollment, and More We cover everything you need to know about ObamaCare in 2019 including information on enrollment, assistance, benefits, plan types, and more. NOTE: This page covers everything you need to know for 2019 up until open enrollment 2020 (which happens at the… Read More

The 2019 Federal Poverty Guidelines


The 2019 Federal Poverty Guidelines (for 2020 Cost assistance and 2019 Medicaid/CHIP) Below are the 2019 Federal Poverty Guidelines that went into effect in early 2019 (the ones you use for Medicaid/CHIP in 2019 and for 2020 marketplace cost assistance). These guidelines are the key to all cost assistance under the Affordable Care Act, specifically these… Read More

10 Tax Tips for the ACA or ObamaCare for the 2019 Tax Season


There are a few taxes related to ObamaCare that require the attention of most tax paying Americans. Below we review the most important tax tips for 2019. In a nutshell, you’ll likely want to: Have your 1095 form filed on your behalf (by your insurer, employer, or the Marketplace) on hand. Get Form 8962, Premium Tax Credit (PTC) Get Form 8965,… Read More

List of States With Mandates for 2019


A List of States With a Health Insurance Requirement and Fee for 2019 Although the fee for not having health insurance was reduced to $0 on a federal level starting 2019, some states still have an individual mandate for 2019 forward. Here is a list of states where you have to buy health insurance. States… Read More

Short Term Health Insurance for 2018 – 2019


Getting Short Term Health Insurance For 2018 – 2019 For 2019 you can opt to get short term health insurance instead of a marketplace plan, however short term plans don’t offer all the benefits, rights, and protections of comprehensive health insurance. Why Choose Short Term Insurance Since the fee for not having coverage is reduced… Read More

What Has Changed With Obamacare For 2018 -2019


A lot has changed with ObamaCare for 2018 – 2019. Changes include the mandate being repealed, short term coverage being expanded, budget cuts, and premium rate drops. Here is that information in more detail: Starting January 1st, 2019, the federal ACA tax penalty for not having health insurance coverage officially becomes zero. Consumer warning, some… Read More

Sign Up for ObamaCare 2019


How to Sign Up For Health Insurance Under the Affordable Care Act During the 2018 – 2019 Open Enrollment Season Sign up for ObamaCare between November 1 and December 15, 2018 to get health coverage and cost assistance for 2019. Get covered at Healthcare.Gov. Key Dates For Open Enrollment 2019 To sign up for ObamaCare you must… Read More

2019 Cost Assistance Obamacare


Everything You Need to Know about Obamacare Cost Assistance 2019 Below is a break down of everything you need to know about cost assistance on 2019 health plans under the Affordable Care Act (ObamaCare). In other words, here is everything you need to know about Premium Tax Credits, Cost Sharing Reduction Subsidies, Medicaid and CHIP, HSAs, and… Read More

Open Enrollment 2019 Dates and Deadlines


Dates and Deadlines For the 2018 – 2019 Open Enrollment Season Under the Affordable Care Act (ObamaCare) Open Enrollment in health plans for 2019 starts November 1, 2018 and ends December 15, 2018. Plans sold during Open Enrollment start January 1, 2019. Get covered at Healthcare.Gov. Open enrollment is the only time of year you can enroll in… Read More

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