Cost Sharing Reduction Subsidies 2021

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. CSR subsidies are based on… Read More

Premium Tax Credit Caps for 2021

The Premium Tax Credit Subsidy Caps By Percentage of Household Income for SLCSP 2021 Premium tax credit caps on 2021 marketplace coverage range from 2.07% – 9.83% of income based on the 2020 federal poverty level. Premium tax credits are tax credits that can be taken in advance as Advanced Premium Tax Credits or at… Read More

Out-of-Pocket Maximums and Deductible Limits For 2021

Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2021 plans for individuals and families. For 2021, your out-of-pocket maximum can be no more than $8,550 for an individual plan and $17,100 for a family plan before marketplace subsidies. These numbers have been revised up for 2021,… Read More

HSA Limits for 2021

Health Saving Accounts and ObamaCare for 2021 We cover everything you need to know about Health Savings Accounts (HSAs) for 2021, 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

Sign Up for ObamaCare 2021

How to Sign Up For Health Insurance Under the Affordable Care Act During the 2020 – 2021 Open Enrollment Season Sign up for ObamaCare between November 1 and December 15, 2020 to get health coverage and cost assistance for 2021. Get covered at Healthcare.Gov. Key Dates For Open Enrollment 2021 To sign up for ObamaCare you… Read More

Open Enrollment 2021 Dates and Deadline

ObamaCare Open Enrollment

Dates and Deadlines For the 2021 Open Enrollment Season Under the Affordable Care Act (ObamaCare) ObamaCare’s Open Enrollment period for 2021 health plans runs from November 1, 2020 to December 15, 2020 in most states. Plans sold during Open Enrollment start as early as January 1, 2021. Open enrollment is the only time of year… Read More

The 2020 Federal Poverty Guidelines

The 2020 Federal Poverty Guidelines (for 2021 Cost assistance and 2020 Medicaid/CHIP) Below are the 2020 Federal Poverty Guidelines that went into effect in early 2020 (the ones you use for 2020 Medicaid/CHIP and for 2021 marketplace cost assistance). These guidelines are the key to all cost assistance under the Affordable Care Act. Specifically, these guidelines… Read More

The Federal Poverty Level Guidelines For 2020 and 2021 Coverage

Below are the Federal Poverty Level Guidelines (FPL) used to determine cost assistance for 2020 and 2021 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

Is ObamaCare Still in Effect for 2020?

The Affordable Care is still in effect for 2020 and beyond, although there are some changes. In short, Americans no longer have to pay a fee for not having coverage, but they can still get cost assistance.

ObamaCare 2020 – 2021

Our ObamaCare 2020 – 2021 Guide: Everything You Need to Know About ObamaCare Subsidies, Rates, Dates, Enrollment, and More We cover everything you need to know about ObamaCare in 2020 including information on enrollment, assistance, benefits, plan types, and more. Below we’ll cover what you need to know for 2020, and for 2021 coverage purchased in 2020. TIP:… Read More

ObamaCare Mandate’s Fee Reduced to $0 (Some States Have Their Own Fee)

The Individual Mandate‘s fee has been reduced to $0 at a federal level starting in 2019. However, some states have their own individual mandate and fee. Sometimes you will hear that “the fee has been repealed,” or that “the mandate has been repealed,” or even that “ObamaCare has been repealed.” None of that is technically… Read More

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