Health Insurance

In this article Why you might not qualify for Medicaid Scenario 1: You earn too much to qualify for a subsidy Scenario 2: You qualify for subsidies, but coverage still seems unaffordable Scenario 3: You’re in the coverage gap Scenario 4: You cannot afford ACA-compliant health insurance How to get help finding coverage For people […]

In this article What’s happening with Marketplace health plan enrollments? Why might consumers be downgrading to Bronze plans? Which state-run Marketplaces have reported an increase in Bronze plan selections? Which state-run Marketplaces reported a reduction in Bronze plan selections? What does a shift to Bronze plans mean for consumers? Options for Bronze plan buyers facing

In this article Can early retirees get health insurance through the ACA Marketplace? How can early retirees find out if they’re eligible for Marketplace subsidies? Can early retirees get Medicaid if they’re in an expansion state? Is COBRA or state continuation a good option for early retirees? Early retirement health insurance through a spouse’s coverage

In this article Marketplace subsidy enhancements have expired Some states have made Marketplace coverage more affordable Low-income recent immigrants lost access to subsidies There’s no longer a cap on repayment of excess APTC Higher out-of-pocket caps are in effect Bronze and Catastrophic Marketplace plans are now HSA-eligible Having a direct primary care membership no longer

In this article Who’s experiencing Marketplace sticker shock? Review the available plans. (Those won’t change.) Understand your income as a percentage of the federal poverty level Understand how HSA contributions can affect your MAGI Update your Marketplace account Remember the Dec. 15 deadline (in most states) and stay tuned for updates If you’ve looked at

In this article How much is a dental cleaning cost without insurance? Do I need insurance to get my teeth cleaned? What factors can impact the cost of a dental cleaning? How much does the COVID vaccine cost without insurance? How much is a dental cleaning cost without insurance? Without dental insurance, the average price

In this article Higher premiums coupled with expiration of subsidy enhancements Changes to state-funded subsidy programs in some states Higher limit for maximum out-of-pocket costs No cap on excess APTC (subsidy) repayment No Marketplace subsidies for low-income recent immigrants Bronze and Catastrophic plans: HSA eligibility and increased access Marketplace insurer entries and exits Illinois residents

In this article Many older Marketplace buyers face drastic premium hikes ‘Subsidy cliff’ affects households with incomes above 400% of federal poverty level American Rescue Plan and Inflation Reduction Act temporarily eliminate ‘subsidy cliff’ Why it’s called a ‘cliff’ Areas with higher average premiums will be hit hardest by the ‘cliff’ If Congress doesn’t extend

In this article ACA Marketplace individual and family health insurance COBRA continuation of group coverage Medicaid Insurance through a spouse’s health plan Short-term health insurance Frequently asked questions In the United States, nearly half of the people under the age of 65 get their health insurance from an employer.1 But the downside of having health