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OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site OUT-OF-POCKET MAXIMUMS AND DEDUCTIBLE LIMITS FOR 2021 GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site PREMIUM TAX CREDIT CAPS FOR 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 tax time as Premium Tax credits (or you can do a mix). Premium tax credits cap premium spending for afamily
WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS? The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get a DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
2022 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR Between $12,880-$51,520. Between $26,500- $106,000. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,880- $32,200. Between $26,500- $66,250. NOTE: The Medicaid/CHIP amounts above apply in 2021 and early 2022. 2022 Medicaid and CHIP eligibility will be based on the 2021 guidelines as 2021 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator. ObamaCare Cost Assistance To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for THE AMERICAN RESCUE PLAN ACT AND OBAMACARE The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL for 2021-2022. Under the American Rescue PlanAct
OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site OUT-OF-POCKET MAXIMUMS AND DEDUCTIBLE LIMITS FOR 2021 GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site PREMIUM TAX CREDIT CAPS FOR 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 tax time as Premium Tax credits (or you can do a mix). Premium tax credits cap premium spending for afamily
WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS? The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get a DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site 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. WHAT IS THE MINIMUM INCOME FOR OBAMACARE? The minimum income for ObamaCare is 100% of the federal poverty level. The dollar amount of this changes every year, but for 2020 it is $12,490 for an individual and $25,750 for a family of four. You can check the federal poverty level guidelines each year to figure out what the minimum income level is. Please note that in states thatexpanded
WHAT TYPE OF VISA DO I NEED FOR OBAMACARE? Generally only US citizens can take advantage of Marketplace subsidies, however you can still shop on the Marketplace with:. Valid non-immigrant visas; Machine Readable Immigrant Visa (with temporary I-551 language) Victim of trafficking visa; Victim of trafficking and his or her spouse, child, sibling, or parent or individuals with a pending application for a victim of trafficking visa IS MY INCOME TOO LOW FOR HEALTH COVERAGE? GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site focused on research DO I QUALIFY FOR SUBSIDIES IF SPOUSE HAS MEDICARE? Marketplace subsidies are based on household income, even if one spouse qualifies for non-Marketplace coverage like Medicare.That being said, subsidies are based on projected household income for the next year, although they typically use last years income to estimate next years. Since your husband will retire this could drop your actual household income and thus qualify you for cost assistance. 2018 PREMIUM TAX CREDITS FACT: Advanced Premium Tax Credits can lower what you pay to your insurer each month, while Cost Sharing Reduction subsidies can lower the out-of-pocket costs of Silver plans.. How ObamaCare’s Tax Credits Work. Tax credits are based on income and cap your monthly premium between roughly 2% and 9.5% (this number adjusts each year, for 2018 plans the number is adjusted DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get a BOTH SPOUSES HAVE EMPLOYER COVERAGE, WHAT ARE THE RULES? My husband is an Union worker through the IBEW and his insurance plan is an automatic family plan with a $500 deductible per person. He cannot opt me out of his plan, it is part of his pay package.OBAMACARE EXPLAINED
ObamaCare, officially called the Patient Protection and Affordable Care Act, is a health care reform law signed in 2010 by President Barack Obama. The general goal of the law is to improve the quality, access, and affordability of healthcare and health insurance. Some of the law’s provisions started immediately, most of the major oneswent
2021 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator. ObamaCare Cost Assistance To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for THE AMERICAN RESCUE PLAN ACT AND OBAMACARE The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL for 2021-2022. Under the American Rescue PlanAct
2022 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR Between $12,880-$51,520. Between $26,500- $106,000. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,880- $32,200. Between $26,500- $66,250. NOTE: The Medicaid/CHIP amounts above apply in 2021 and early 2022. 2022 Medicaid and CHIP eligibility will be based on the 2021 guidelines as OPEN ENROLLMENT 2021 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS? The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum HOW CAN I VIEW MY PAST HEALTH COVERAGE APPLICATIONS? GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site focused on research CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get aOBAMACARE EXPLAINED
ObamaCare, officially called the Patient Protection and Affordable Care Act, is a health care reform law signed in 2010 by President Barack Obama. The general goal of the law is to improve the quality, access, and affordability of healthcare and health insurance. Some of the law’s provisions started immediately, most of the major oneswent
2021 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator. ObamaCare Cost Assistance To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for THE AMERICAN RESCUE PLAN ACT AND OBAMACARE The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL for 2021-2022. Under the American Rescue PlanAct
2022 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR Between $12,880-$51,520. Between $26,500- $106,000. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,880- $32,200. Between $26,500- $66,250. NOTE: The Medicaid/CHIP amounts above apply in 2021 and early 2022. 2022 Medicaid and CHIP eligibility will be based on the 2021 guidelines as OPEN ENROLLMENT 2021 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS? The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum HOW CAN I VIEW MY PAST HEALTH COVERAGE APPLICATIONS? GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site focused on research CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get aOBAMACARE EXPLAINED
ObamaCare, officially called the Patient Protection and Affordable Care Act, is a health care reform law signed in 2010 by President Barack Obama. The general goal of the law is to improve the quality, access, and affordability of healthcare and health insurance. Some of the law’s provisions started immediately, most of the major oneswent
OBAMACARE SUMMARY : OBAMA HEALTH CARE SUMMARY (ObamaCare Summary Image is public domain) Medicaid and Medicare Reform Summary. ObamaCare also expands Medicaid to provide health coverage to at what was one point estimated at 15.9 million uninsured Americans who were falling in between the cracks of being able to afford insurance and qualifying for Medicaid. Obama’s health care plan overhauls Medicare as well adding OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site OBAMA HEALTH CARE: THE OBAMA HEALTH CARE PLAN The Obama Health Care Plan or Obama Care Plan is a plan for health care reform in the US. This plan is presented as a health care bill that aims to turn the ObamaCare Plan into laws that will help millions of Americans who are not provided for under the current health careplan.
2021 COST ASSISTANCE OBAMACARE Between $12,760-$51,040. Between $26,200- $104,800. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,760- $31,900. Between $26,200- $65,500. NOTE: The Medicaid/CHIP amounts above apply from early 2021 to early 2022. 2021 AND 2022 FEDERAL POVERTY LEVELS (FPL) FOR ACA COVERAGE The federal poverty level is $12,760 for an individual ($26,200 for a family of 4) for 2021 coverage. The federal poverty level is $12,880 for an individual ($26,500 for HOW CAN I VIEW MY PAST HEALTH COVERAGE APPLICATIONS? GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site focused on research PREMIUM TAX CREDIT CAPS FOR 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 tax time as Premium Tax credits (or you can do a mix). Premium tax credits cap premium spending for afamily
INCOME FROM SURVIVOR'S BENEFITS, CAN I USE THE MARKETPLACE? I have a client in this very situation. She is a young widow with 2 young boys. Her income is below the 100% FPL so she doesn’t qualify for a tax credit for the health insurance and our state (Nebraska) doesn’t have expanded Medicaid so she is stuck with no subsidy and IF she wants insurance she has to pay 100% of the premium, which is over $400 monthly at this timeI can’t get a CAN'T PAY CASH IF DOCTOR DOESN'T ACCEPT OBAMACARE? I honestly do not think that the doctor is trying to “discriminate” against Obamacare. They told me today that it is, and i quote; ” illegal to charge me for a visit if i have a good health insurance” so my response was “well the doctor does not take my insurance which means it must not be good enough, so i would like to pay out of pocket for my visit” and the response was “we 2021 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator. ObamaCare Cost Assistance To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site 2022 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR Between $12,880-$51,520. Between $26,500- $106,000. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,880- $32,200. Between $26,500- $66,250. NOTE: The Medicaid/CHIP amounts above apply in 2021 and early 2022. 2022 Medicaid and CHIP eligibility will be based on the 2021 guidelines as THE AMERICAN RESCUE PLAN ACT AND OBAMACARE The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL for 2021-2022. Under the American Rescue PlanAct
OUT-OF-POCKET MAXIMUMS AND DEDUCTIBLE LIMITS FOR 2021 GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site 2021 AND 2022 FEDERAL POVERTY LEVELS (FPL) FOR ACA COVERAGE The federal poverty level is $12,760 for an individual ($26,200 for a family of 4) for 2021 coverage. The federal poverty level is $12,880 for an individual ($26,500 for WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS?ACA REQUIREMENTS FOR EMPLOYERSACA EMPLOYER MANDATE PENALTYEMPLOYER PAYMENT PLAN 2019ACA INSURANCE REQUIREMENTS FOR EMPLOYERSACA PAYMENTS TO INSURERSACA PLANREQUIREMENTS
The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
BOTH SPOUSES HAVE EMPLOYER COVERAGE, WHAT ARE THE RULES? My husband is an Union worker through the IBEW and his insurance plan is an automatic family plan with a $500 deductible per person. He cannot opt me out of his plan, it is part of his pay package. DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
2021 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR This page features a 2021 ObamaCare eligibility chart, the 2020 federal poverty level used for 2021 subsidies, and a subsidy calculator. ObamaCare Cost Assistance To get assistance under the Affordable Care Act you must earn between 100% – 400% of the poverty level. For 2021, that is $12,760-$51,040 for an individual and $26,200- $104,800 for OPEN ENROLLMENT 2022 DATES AND DEADLINE GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site 2022 OBAMACARE ELIGIBILITY CHART AND SUBSIDY CALCULATOR Between $12,880-$51,520. Between $26,500- $106,000. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,880- $32,200. Between $26,500- $66,250. NOTE: The Medicaid/CHIP amounts above apply in 2021 and early 2022. 2022 Medicaid and CHIP eligibility will be based on the 2021 guidelines as THE AMERICAN RESCUE PLAN ACT AND OBAMACARE The American Rescue Plan Act increases and expands cost assistance under the Affordable Care Act (ObamaCare). The Act includes repayment relief for 2020, $0 premiums and lower deductibles for those making up to 150% FPL from 2021-2022, and tax credits for those making up to 400% FPL for 2021-2022. Under the American Rescue PlanAct
OUT-OF-POCKET MAXIMUMS AND DEDUCTIBLE LIMITS FOR 2021 GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site 2021 AND 2022 FEDERAL POVERTY LEVELS (FPL) FOR ACA COVERAGE The federal poverty level is $12,760 for an individual ($26,200 for a family of 4) for 2021 coverage. The federal poverty level is $12,880 for an individual ($26,500 for WHAT ARE ACA RULES FOR EMPLOYER PAYMENT PLANS?ACA REQUIREMENTS FOR EMPLOYERSACA EMPLOYER MANDATE PENALTYEMPLOYER PAYMENT PLAN 2019ACA INSURANCE REQUIREMENTS FOR EMPLOYERSACA PAYMENTS TO INSURERSACA PLANREQUIREMENTS
The wording of the guidelines is a little confusing, but from what we understand: HRAs and employer payment plans are fine as long as 1) an employer has 50 or less FTE 2) an employee doesn't use that "group plan" to get Marketplace subsidies. The gist being healthcare arrangements can't be used to skirt the requirement to offer minimum CAN I CONTINUE COBRA AFTER GETTING ANOTHER JOB? Answer. You can continue COBRA for your allotted time until you elect to obtain coverage from another source including another employer. Continuing COBRA is ethical and legal and is your choice, even if you move out of state (although unless you have a PPO that covers all states you may find your best coverage option in the state youreside).
BOTH SPOUSES HAVE EMPLOYER COVERAGE, WHAT ARE THE RULES? My husband is an Union worker through the IBEW and his insurance plan is an automatic family plan with a $500 deductible per person. He cannot opt me out of his plan, it is part of his pay package. DOES INHERITANCE AFFECT MARKETPLACE ASSISTANCE? Most inheritance is not taxable and therefore will not impact marketplace assistance or create a need to repay tax credits. However, taxable inheritance does impact marketplace assistance in the year it is received, if received at the end of the year it would therefore impact the repayable amount but not likely the assistance given duringthe year.
2021 COST ASSISTANCE OBAMACARE Between $12,760-$51,040. Between $26,200- $104,800. Subsidies for out-of-pocket costs (if you buy a Silver plan in your state’s online marketplace) Between $12,760- $31,900. Between $26,200- $65,500. NOTE: The Medicaid/CHIP amounts above apply from early 2021 to early 2022. 2021 AND 2022 FEDERAL POVERTY LEVELS (FPL) FOR ACA COVERAGE The federal poverty level is $12,760 for an individual ($26,200 for a family of 4) for 2021 coverage. The federal poverty level is $12,880 for an individual ($26,500 for HOW CAN I VIEW MY PAST HEALTH COVERAGE APPLICATIONS? GETTING COVERED. Find your state’s official Health Insurance Marketplace or use the Federal Marketplace HealthCare.Gov.. Open enrollment for 2022 health plans starts Nov 1st, 2021.. During open enrollment, you can apply for cost assistance, change plans, and enroll in a plan.Find out what happens if you miss open enrollment. #GetCovered Remember: ObamaCareFacts is a site focused on research PREMIUM TAX CREDIT CAPS FOR 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 tax time as Premium Tax credits (or you can do a mix). Premium tax credits cap premium spending for afamily
HOW MUCH DOES OBAMACARE COST IN 2020? The national average of the lowest cost plan under ObamaCare before cost assistance in 2020 is $331 for Bronze, $442 for Silver, and $501 for Gold.Average Marketplace Premiums By Metal Tier 2018 - 2020. kff.org. That figure refers to the average monthly premium of BOTH SPOUSES HAVE EMPLOYER COVERAGE, WHAT ARE THE RULES? An employer has to offer coverage to employees based on how many full-time workers they have, nothing else. If one spouse has employer coverage it doesn't effect WHAT TYPE OF VISA DO I NEED FOR OBAMACARE? Generally only US citizens can take advantage of Marketplace subsidies, however you can still shop on the Marketplace with:. Valid non-immigrant visas; Machine Readable Immigrant Visa (with temporary I-551 language) Victim of trafficking visa; Victim of trafficking and his or her spouse, child, sibling, or parent or individuals with a pending application for a victim of trafficking visa SWITCHING FROM FULL-TIME TO PART-TIME, DOES EMPLOYER NEED The requirement to provide coverage is based on current full-time status and length of employment, not full-time status at time of hiring. If an employee switches to part-time they no longer have to be offered coverage starting on a specific date, that specific date depends on complex factors related to measurement periods.. Once a full-time employee is in "a stability period" (a type of MY EMPLOYER OFFERS A PLAN, BUT I HAVE MARKETPLACE COVERAGE? I just signed up for covered Ca. bronze plan, effective 3-1-15. My monthly amount to pay is $67.00 with a subsidy amount of $162.00. I was offered insurance at my job but the premiums were $70.00 – $90.00 every pay period (twice a month) I couldn’t afford that. EMPLOYER MANDATE CONCERNING PER DIEM EMPLOYEES Per Diem employees can be considered full-time employees under the ACA if the work over 30 hours on average a year. Employers can use a look-back period of up to 12 months and reasonable methods of crediting hours to determine eligibility of full-time employees for health insurance. If an employee works more than 30 hours a week on average (or 28 as a safe harbor) they must be offeredOBAMACARE FACTS
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* ObamaCare Extensions FIND YOUR STATE MARKETPLACE * State Health Insurance Exchanges * California Health Insurance Exchange * Colorado Health Insurance Exchange * Connecticut Health Insurance Exchange * Washington, D.C. Health Insurance Exchange * Hawaii Health Insurance Exchange * Idaho Health Insurance Exchange * Kentucky Health Insurance Exchange * Maryland Health Insurance Exchange * Massachusetts Health Insurance Exchange * Minnesota Health Insurance Exchange * Nevada Health Insurance Exchange * New Mexico Health Insurance Exchange * New York Health Insurance Exchange * Oregon Health Insurance Exchange * Rhode Island Health Insurance Exchange * Texas Health Insurance Exchange * Vermont Health Insurance Exchange * Washington Health Insurance Exchange BENEFITS, RIGHTS, & PROTECTIONS * Unpaid Medical Bills Reduced By ACA * HHS Issues Guidance On Birth Control Mandate * Free Contraception For Employees at Exempt Employers * Final Rule Prohibits Discrimination in Health Care * Why Guaranteed Coverage for Preexisting Conditions Matters * ObamaCare and DACA Facts and Myths * Health Insurance Appeal Rights Under ObamaCare * Who Uses ObamaCare? * List of Preventive Care Services ObamaCare * Benefits Of Obamacare * Essential Health Benefits * Obamacare Preventive Care * ObamaCare Pre-existing Conditions * ObamaCare Guaranteed Issue * ObamaCare Bans Rescission * ObamaCare No Discrimination * ObamaCare Dollar Limits * ObamaCare Rate Review & the 80/20 Rule * Summary of Benefits and Coverage (SBC) * How to Appeal a Health Insurance Company or Marketplace Decision * ObamaCare and Women * ObamaCare Birth Control * ObamaCare and Young Adults * Health Plan Options for College Students * ObamaCare Under 26: Rules for Children and Young Adults * ObamaCare and Doctors * ObamaCare and ImmigrantsCOSTS & TAXES
* Section 9010 a Tax On Large Insurers * The Psychology of ObamaCare’s Advanced Tax Credits and RepaymentLimits
* Drug Prices and the Cost of Healthcare * Is ObamaCare Free? * Health Insurance Premium and Cost Sharing Explanation * Addressing the Problem of Health Plan Drops Due to Non-Payment * Trump Executive Order on the ObamaCare Mandates (the Fees)Explained
* Did the ACA Lead to High Medical Costs? * Is the Congressional Budget Office (CBO) Trustworthy? * Low Cost Health Insurance * Why Isn’t Health Insurance or Care Affordable? * ObamaCare Counts Income, Not Assets * Didn’t Get a 1095-A or ECN? You Can File Taxes Without Them. * As a Rule of Thumb, Don’t Go Silent For 2018 Coverage * Treasury and IRS Confirm No Penalties For Wrong 1095-A * List of Federal Poverty Levels* ObamaCare Costs
* ObamaCare Taxes
* File Taxes For ObamaCare * Individual Shared Responsibility Payment * Premium Tax Credit Form 8962 and Instructions * Form 8965, Health Coverage Exemptions and Instructions * Form 1095-A, 1095-B, 1095-C, and Instructions * ObamaCare 1040 Forms * Tax Deductions for Medical Expenses * ObamaCare Insurance Premiums * What is Cost Sharing? * Factors that Affect Health Insurance Costs * How Does ObamaCare Control Costs? * ObamaCare Subsidies * Premium Tax Credits * Cost Sharing Reduction Subsidies (CSR) * ObamaCare Calculator: Subsidies, Tax Credits, Cost Assistance * Advanced Tax Credit Repayment Limits * Second Lowest Cost Silver Plan (SLCSP) and Tax Tools * Modified Adjusted Gross Income (MAGI) * Tax Credits and Changes to Income * How Before-Tax and After-Tax Contributions Affect Subsides * Federal Tax Filing Requirement Thresholds * Federal Poverty Level Guidelines * Household Size and Income, Coverage and Tax Family * ObamaCare Mandate: Exemption and Tax Penalty * ObamaCare Short Coverage Gap Exemption * ObamaCare Exemptions List * ObamaCare Cadillac Tax (Excise Tax on High End Plans) * ObamaCare Deficit and DebtSMALL BUSINESS
* Fee For Reimbursing Employees for Individual Health Plans * Nearly Everyone’s Healthcare Coverage is Heavily TaxpayerSubsidized
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* The History of Medicare * Is Medicare’s Independent Payment Advisory Board a Cause forConcern?
* Can You Get Dental, Hearing, and Vision Care with Medicaid? * Bipartisan CHRONIC Care Act Passes Senate * Why Networks and Drug Formularies in Medicare Plans are Important * Could Medicare’s Independent Payment Advisory Board be a DeathPanel?
* What is the Medicare Payment Advisory Commission (MedPAC)? * Bipartisan $210B Medicare Reform For Doctor Payments * How are Original Medicare and Medicare Advantage Different? * Understanding Medicare Cost-Sharing * Is the Medicare Shared Savings Program Working? * Supplemental Medicare Helps With Costs and Coverage Gaps * New CMS Advanced Care Planning Proposal * Medicare Part F (Medigap) vs. Medicare Advantage. * The Best Supplement for Original Medicare * What is Medicare and How Can You Qualify? * When Is Medicare Open Enrollment? * Why Call the ACA ObamaCare? Medicare is Not Called JohnsonCare. * Medicare and Hospital Costs * What are Medicare Drug Formularies? * ObamaCare Medicare * Changes to Medicare insurance 2013-2017 * ACOs (Accountable Care Organizations)* What is Medicare?
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* ObamaCare Medicaid Expansion * ObamaCare and CHIP (Children’s Health Insurance Program) * Maine Expanded Medicaid Under the ACA By Referendum * Some Immigrants are Eligible for Medicaid or CHIP * Tennessee Medicaid Expansion and Why it Matters * Trump Administration to Allow Medicaid Work Requirements ForStates
* Virginia To Expand Medicaid Under the ACA * Arkansas Medicaid Expansion Alternative * What Parents and Guardians Need to Know About CHIP * Being Denied Medicaid or CHIP * Voters Vote to Expand Medicaid in Utah, Nebraska, and Idaho * Florida Medicaid Expansion * Alaska Medicaid Expansion * Utah Rejects Medicaid Expansion Proposal * South Dakota Demands Expansion of Medicaid * Louisiana Expands Medicaid * States Who Embraced the ACA are Having more Success * How to Contact Your State Medicaid Department * Are Able Bodied Adults Taking Advantage of Medicaid? Will Work Incentive Requirements Help? * Does 304B Drug Pricing Lower Costs? * Medicaid Estate Recovery Facts and Myths ABOUT HEALTH INSURANCE * Is Obamacare Mandatory for Everyone? * What is a Major Medical Health Insurance Plan? * EPOs and Out-of-Network Benefits * What Good is Health Insurance You Can’t Use? * Many Americans are in Single-Payer Systems Already * Incarceration and Health Insurance * How Can I Get Free Healthcare? * Should I Get an HMO, PPO, EPO, or POS? * Options For Shopping for Health Coverage * Health Insurance Auto-Pay * About Health Insurance * How Does Health Insurance Work? * How to Buy Health Insurance * How to Compare Health Plans * Types of Health Insurance Plans * Health Plan Types: HMO or PPO?* Premium
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* Catastrophic Health Plans * Health Savings Account (HSA) * What Are Covered Benefits? * What are Health Insurance Networks? * Allowed Amount and Balance Billing (Health Insurance) * Can I Keep My Health Care Plan Under Obamacare? * Grandfathered Plans * ObamaCare Health Insurance Cancellation * Private Health Plans Outside the Marketplace * Health Insurance Quotes * Supplemental Health Insurance * Short Term Health Insurance * Fixed Benefit Health Insurance * Single Payer Health Care * Multi-State Health Plans SHORT TERM HEALTH INSURANCE * Short-Term and Major Medical Health Insurance * Short Term Health Insurance Vs. ObamaCare * Short Term Health Insurance As Primary Coverage* Travel Insurance
* Short Term Health InsuranceDENTAL AND VISION
* Can You Get Dental, Hearing, and Vision Care with Medicaid?* Dental Insurance
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HEALTHCARE
* Do We Still Need Planned Parenthood? * Does Everyone Get Medical Care in an Emergency? * Why Do I Need Health Insurance? * How Your Doctor is Paid: Wage, Capitation, and Fee-For-Service Payments * Provider Networks and Drug Formularies * COVID-19 ObamaCare Facts * Health Care Facts: Why We Need Health Care Reform * Vaccine Facts: Facts & Myths on Vaccination * ObamaCare and Smokers * Facts on Deaths Due to Lack of Health Insurance in USPPACA IN DEPTH
* Is Medicare’s Independent Payment Advisory Board a Cause forConcern?
* ObamaCare Enrollment Numbers * Affordable Care Act Summary * Summary of Provisions in The Patient Protection and AffordableCare Act
* Summary of the Health Care and Education Reconciliation Act of2010
* ObamaCare Health Insurance Rules, Regulations and Standards* ObamaCare Bill
HEALTH CARE REFORM PROPOSALS * The ObamaCare Replacement (American Health Care Act) Scored By CBO * The Conservative Principles and Universal Healthcare * House GOP Suggest High-Risk Pools as Part of Obamacare Replacement * ObamaCare and Australia’s HealthCare Systems Compared * ObamaCare’s Sticking Points * Nevada’s Medicaid-For-All * Bernie Sanders Single Payer Overview * Iowa’s ObamaCare “Stopgap Measure” Hurts Lower Incomes, but Could Help Stabilize Markets * State-Based ObamaCare Alternative – Sec. 1332. Waiver for Stateinnovation
* The Senate HealthCare Bill (TrumpCare) Explained * Health Insurance Cancellation Reform for Non-Payment * Bernie Sanders Introduces Medicare for All Act of 2017 * ObamaCare and the Public Option * Bernie Sanders: Medicare-for-all Act Full Text and Summary * What is BernieCare? * A Summary of the Graham-Cassidy Obamacare Repeal Bill * a Nationwide Non-Profit Public Health Network * GOP Pre-Existing Conditions Act Doesn’t Ensure Coverage * The “Continuous Coverage Exclusion” For Pre-ExistingConditions
* The Basics of Bernie Sanders’ Medicare-for-All * An HSA-Eligible Public Option * Biden’s “Protect and Build” ObamaCare Plan * “ObamaCare Repeal and Replace” is Now “ObamaCare Repair” * “The American Health Care Act” Explained * The World’s Greatest Healthcare Plan Vs. The American HealthCare Act
* Save American Workers Act Facts * ObamaCare Lawsuits * King V Burwell Simplified * Supreme Court ObamaCareTRUMPCARE
* TrumpCare Explained * Trump Says He Will Amend or Repeal and Replace ObamaCare * Trump Administration Submits Rule to Stabilize IndividualInsurance Market
* Obamacare Saved From Repeal, Trumpcare Won’t Pass… For Now * Trump Administration’s First Big ObamaCare Regulations: Summary * Trump’s Plan to Roll Back ObamaCare’s Birth Control Mandate For Employers Explained * How to Sign Up For TrumpCare * Trump to Allow Selling Insurance Across State Lines * Trump’s Order on Association Health Plans Explained * Individual Mandate Repeal Added to GOP Tax Bill * GOP Repealed ObamaCare’s Mandate in Tax Bill * Proposed Trump Budget Includes About $1 Trillion in Cuts for Medicaid and ObamaCare * The Difference Between ObamaCare and TrumpCare OBAMACARE 2017 - 2018 * ObamaCare Fee 2017 * Affordability Exemptions for 2018 * ObamaCare and HSAs for 2017 * 10 Tax Tips for the ACA or ObamaCare for the 2018 Tax Season * Out-of-Pocket Maximums and Deductible Limits for 2017 Health Plans * When is 2018 Medicare Open Enrollment? * ObamaCare Cost Assistance For 2017 Plans * The Penalty For Not Having Health Insurance in 2018 * Premiums Up For 2017, But Many Get a Plan for $100 or Less * ObamaCare Fee 2018 * Affordability Exemptions for 2017 * What to Do if You Missed the Deadline For Open Enrollment 2018 * ObamaCare Open Enrollment 2018 * The 2017 Federal Poverty Guidelines * Will There Be a 2018 Open Enrollment? * The 2018 Federal Poverty Guidelines * 2018 Cost Sharing Reduction Subsidies (CSR) * Get Ready for 2018 Open Enrollment * 2018 Premium Tax Credits * Out-of-Pocket Maximums and Deductible Limits for 2018 Health Plans * HSA Limits for 2018 * 2018 Guidelines for Medicaid and CHIPOBAMACARE 2019
* ObamaCare 2019
* Sign Up for ObamaCare 2019 * 2019 Cost Assistance Obamacare * Open Enrollment 2019 Dates and Deadlines * What Has Changed With Obamacare For 2018 -2019 * Some States Are Implementing Their Own Individual Mandate * ObamaCare Mandate’s Fee Reduced to $0 (Some States Have TheirOwn Fee)
* Short Term Health Insurance for 2018 – 2019 * List of States With Mandates for 2019 * 10 Tax Tips for the ACA or ObamaCare for the 2019 Tax Season * The 2019 Federal Poverty Guidelines * Out-of-Pocket Maximums and Deductible Limits for 2019 Health Plans * HSA Limits for 2019ESPAÑOL
* Subsidios de ObamaCare * Regístrese a ObamaCare: Plazo para el registro a ObamaCare * Datos Sobre Obamacare: Plan de Salud ObamaCare Español * ¿Qué es ObamaCare? RESOURCES, SOCIAL, & CONTACT * Ask a Question about ObamaCare* Contact
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ObamaCareFacts is a free informational site. It's privately owned, and is not owned or operated by the US federal or state government. We don't offer professional official legal, tax, or medical advice. See: Legal Information and CookiePolicy.
OBAMACARE FACTS – AN INDEPENDENT SITE FOR ACA ADVICE PUBLISHED: JULY 19, 2012 LAST UPDATED: FEB 10, 2020 OBAMACAREFACTS.COM – PROVIDING FACTS ON THE AFFORDABLE CARE ACT(ACA) SINCE 2012
ObamaCare Facts is an independent website. Get the facts on healthcare and health insurance under the Affordable Care Act (also known asObamaCare).
At ObamaCareFacts.com our goal is to present fact-based information on the Affordable Care Act in order to teach people about things likeenrollment
, assistance
, benefits
, plan types
,
and more.
We have been an independent source of information on the Affordable Care Act since 2012 (see the 2012 version of ObamaCareFacts.com).
We do not have a direct relationship with any health insurance or healthcare providers, and we are not affiliated with the federal government or the official HealthCare.govwebsite.
WHAT IS OBAMACARE?
ObamaCare is a nickname for the healthcare law called _The Patient Protection and Affordable Care Act_ (PPACA). It is sometimes called _the Affordable Care Act_ (ACA) for short. FACT: THE AFFORDABLE CARE ACT WAS SIGNED INTO LAW BY PRESIDENT BARACK OBAMA ON MARCH 23, 2010. Despite some changes, many repeal attempts, and a few major court cases (including an ongoing court case),
the ACA is still the “law of the land” today. WHAT DOES OBAMACARE DO? The Affordable Care Act aims to increase the quality, availability, and affordability of private and public health insurance to over tens of millions of uninsured Americans through its many provisions, which include new regulations, taxes, mandates, and subsidies. The law also works toward curbing the growth in healthcare spending in the US, which has been rising at an unsustainable rate. More specifically, ObamaCare offers a number of new benefits, rights, and protections . Here are some links to more detailed information regarding different components of the Affordable Care Act, aka Obamacare. * Letting young adults stay on their parents’ plan until 26 * Stopping insurance companies from denying you coverage or charging you more based on health status * Stopping insurance companies from dropping you when you are sick or if you make an honest mistake on your application * Preventing gender discrimination * Stopping insurance companies from imposing unjustified rate hikes * Doing away with life-time and annual dollar limits * Giving you the right to a rapid appeal of insurance companydecisions
* Expanding coverage to tens of millions by subsidizing healthinsurance costs
through the Health
Insurance Marketplaces(HealthCare.Gov
and the state-run Marketplaces)
* Expanding Medicaidto
millions in states that chose to expand the program * Providing tax breaks to small businessesfor offering
health insurance to their employees * Requiring large businesses to insure employees * Requiring all insurers to cover people with pre-existingconditions
* Making CHIP
easier for kids to get * Improving Medicare for seniors * Ensuring all plans cover minimum benefitslike limits
on cost sharing and tenessential benefits
including free preventive care, OB-GYN
services with no referrals, free birth control, and
coverage for emergency room visits out-of-network TIP: Get more ObamaCare Facts on our ObamaCare Facts page.
HOW TO UNDERSTAND OBAMACARE AND SAFELY ENROLL IN A PLAN WITH COSTASSISTANCE
Each year under the Affordable Care Act (ObamaCare) Americans can get health coverage and cost assistance based on income by signing up for a plan during open enrollment.
Open enrollment is the only time of year all Americans have access to guaranteed issue health coverage regardless of their income or health status! Obamacare’s Open Enrollment season for 2021 coverage starts Nov 1st, 2020 and ends Dec 15th, 2020 in most states. Plans purchased during open enrollment start Jan 1, 2021! Outside of open enrollment coverage options are limited to short termcoverage
,
Medicaid/CHIP
, and
special enrollment optionsfor those with
qualifying life events (Medicare and employer coverage both have unique enrollment periods). Open enrollment season is a short period of time for more than 15 million individuals and families without access to other coverage types to sign up for health insurance. Don’t procrastinate, enroll in coverage as early as possible each year during open enrollment. The longer you want, the closer you get to the enrollment deadline. For those who miss the deadline, click here to find out your options.
Otherwise, keep reading to find out more about shopping for coverage. TIP: The fee for not having coverage is $0 in most states for 2019 forward, however some states do have state-based mandates. GETTING COVERAGE WITH COST ASSISTANCE UNDER THE AFFORDABLE CARE ACT There are a couple of different options for GETTING COVERAGE UNDER THE AFFORDABLE CARE ACT. * ENROLL ONLINE, OVER THE PHONE, OR IN PERSON WITH AN ASSISTER THROUGH THE GOVERNMENT EXCHANGE HEALTHCARE.GOV(or HC.gov for
short). A simple and smart choice if you know you qualify for costassistance.
* ENROLL ONLINE, OVER THE PHONE, OR IN PERSON WITH THE ASSISTANCE OF A HC.GOV MARKETPLACE APPROVED BROKER. A great choice for finding out all your options since marketplace approved brokers can help sign you up for a marketplace plan with cost assistance and can show you plans not sold on the marketplace (like short term plans). * OR, ENROLL ONLINE, OVER THE PHONE, OR IN PERSON WITH THE ASSISTANCE OF A NON-APPROVED BROKER. A solid choice for non-marketplace options like short term plans. The marketplace assisters and marketplace approved brokers can both sign you up for a plan with cost assistance. All these plans are highly regulated, and that means that the price you pay, be it through a HC.gov approved broker, or HC.gov itself, are exactly thesame.
MEANWHILE, IN TERMS OF COVERAGE FOR INDIVIDUALS AND FAMILIES IN THE PRIVATE MARKET, NON-APPROVED BROKERS CAN ONLY SELL YOU LIMITED BENEFIT SHORT TERM PLANS. These plans are not highly regulated and can fluctuate in price, benefits, and even eligibility. These plans may be right for you, but it is important to understand your options! The cool thing is, a HC.gov approved broker can help you understand all your options due to the fact that they can sell short term andmarketplace plans.
When it comes to finding private brokers we work with a CONSUMER FOCUSED COMPANY CALLED HEALTHNETWORK . They have been helping people to safely enroll with HC.gov approved brokers since 2013 and like us are committed to putting people over profits. In short, you can keep life simple and go to HealthCare.gov, or you can contact HealthNetwork and they will hook you up with a broker who can help you enroll in a healthcare.gov plan AND show you alternative options… or you can take this information and go find a broker yourself! Feel free to ask us any questions. BE CAREFUL WITH LEAD FORMS: If you don’t use our site to find a broker, you’ll want to be very careful searching around and filling out forms related to health insurance online. There are a lot of spammers who target the term “Obamacare.” We have worked hard to keep the scammers off our site, but if you go out into the wild looking for brokers, make sure you are using a site you can trust. Giving your information away without caution can lead to getting spamphone calls
.
WHY TRUST US? ObamaCareFacts.com has helped tens of millions of Americans learn about the Affordable Care Act and cost assistance options since 2012 and has been used as a resource by a number of national news outlets including:– LINK
–
LINK
–
LINK
–
LINK
WHAT HAS CHANGED WITH OBAMACARE IN 2017 – 2020 In short, A LOT HAS CHANGED WITH THE AFFORDABLE CARE ACT UNDER TRUMP (2017 – 2019 AND INTO 2020). First of all, there’s been a change to the core of the ACA and how it works. * Since January 1st, 2019, the ACA tax penalty for not having health insurance coverage has officially been reduced to zero in most states.
Consumer warning, some states may take measures on a state level toreverse this
.
* Operational budget cuts, as well as funding for marketing and outreach, along with some HC.gov contractors not having their contracts renewed for call center service support, means it could be more difficult to enroll through the HC.gov over the phone. * There is however now going to be seamless support for WBE (web based brokers) to directly enroll consumers into Obamacare compliant on-exchange plans in a very seamless manner. This is one positive that will help ensure that an extension for open-enrollment will not berequired.
* Short-term health insurance regulations have been stripped back. Depending on where you get your news from, this could be perceived as both good and bad for consumers long term. * One bit of good news however, is rates have been dropping in manystates recently.
FACT: EARLY REPORTS SHOWED RATES DROPPING BY 4% ON AVERAGE ON MARKETPLACE PLANS FOR 2020! The prices you’ll find in your state, or more specifically your county, will have a range. Some carriers will be more costly than others, and some may offer a better range of services that come with their plan. We advise that you check back into this site frequently as we get closer and closer to open-enrollment. Unless you have a qualifying life event, you can not change plans or sign up for an Obamacare plan until November 1st of each year. We strongly advise that you check back on November 1st of each year, or use the OBAMACARE ENROLLMENT form, to update your household information and compare rates for Obamacare for the upcoming open enrollment season. We will continue to update this information and this website. Below you’ll find some of our archived information, or basics aboutObamacare below.
THERE IS SO MUCH MORE TO COVER We only scratched the surface of what our site covers above. Every aspect of what the Affordable Care Act is and how to get enrolled with cost assistance is detailed on our site. Feel free to look around and ask questions. If you want to know something about ObamaCare, chances are we have covered it. NOTE: Although we don’t have direct relationships with insurers, we do have ads on our site (like the rest of the internet). We have specifically attempted to partner with brokers who use “best practices” when connecting you with insurers. Our goal is to protect consumers and ensure everyone has a good ACA experience regardless of how they shop. Read more about getting health insurance quotes here. Make sure to
contact us if you have any sort of negative experience. ObamaCare Facts: Helping America Navigate the Affordable Care ActCONTACT US NOW
* Ask a Question about ObamaCare* Contact
* About
GETTING COVERED
Find your STATE’S OFFICIAL HEALTH INSURANCE MARKETPLACEor use
the Federal Marketplace HEALTHCARE.GOV . OPEN ENROLLMENT FOR 2021 HEALTH PLANS starts November 1, 2020 and ends December 15, 2020 in most states. During open enrollment you can apply for COST ASSISTANCE, CHANGE PLANS
, and ENROLL IN A
PLAN . Find out WHAT HAPPENS IF YOU MISS OPEN ENROLLMENT. #GetCovered
IMPORTANT UPDATE: A Texas federal judge ruled the Affordable Care Act (Obamacare) unconstitutional on December 14, 2018. The Justice Department then affirmed its support for the ruling in late March 2019. For now nothing changes as the appeals process play out. However, there could be real consequences down the road. Learn more about THE 2018 OBAMACARE RULING.
REMEMBER: ObamaCareFacts is a site focused on research, always double check the facts with your doctor, accountant, insurer and/or official government websites! LATEST ACA NEWS AND OPINION * Time to Enroll in COVID Special Enrollment is Running Out in MostStates
April 16, 2020
* Losing Health Insurance When You Lose Your Job Qualifies You ForObamaCare
April 4, 2020
* Trump Says No to Obamacare Special Enrollment For CoronavirusMarch 31, 2020
* Trump Administration Considering reopening ObamaCare EnrollmentMarch 22, 2020
* Some States Reopen ObamaCare Enrollment For CoronavirusMarch 22, 2020
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