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Articles – healthinsurance.org

Obamacare penalty exemptions
According to the IRS, 7.9 million tax filers were subject to the penalty for being uninsured in 2014, but 12.4 million were able to claim an exemption from the penalty, despite being uninsured in 2014. Again in 2015, the number of exemptions surpassed the number of people who owed the penalty by a wide margin. And the Trump Administration has made it easier than ever for people to obtain hardship exemptions from the mandate.

POSTED SEPTEMBER 13, 2018 4:33 PM
Will you owe a penalty under Obamacare?
If you decide not to purchase coverage and remain uninsured, you can use the calculator on this page to determine the size of the penalty you would pay. But here's the good news: many uninsured Americans are exempt from the penalty, and premium subsidies are making health insurance affordable — often for the first time — for millions of people.

POSTED SEPTEMBER 06, 2018 1:30 PM
The ACA’s cost-sharing subsidies
While the Affordable Care Act's premium subsidies help pay the cost of the health insurance itself, cost-sharing subsidies help to reduce out-of-pocket spending for eligible enrollees when they select Silver plans. The Trump Administration eliminated federal funding for cost-sharing reductions, but the benefits are still available to eligible enrollees. And because the cost of cost-sharing reductions has been added to premiums, premium subsidies are much larger in 2018 than they've been in previous years.

POSTED AUGUST 20, 2018 7:34 AM
Individual health insurance under Obamacare
If you are self employed, or if your employer does not offer health insurance, you'll likely turn to the private market to purchase an individual health insurance plan.

POSTED AUGUST 01, 2018 12:10 PM
Miss open enrollment? You’ve got options.
Open enrollment for 2018 ran from November 1, 2017 to December 15, 2017 in most states. Outside of those dates, enrollment on and off the exchange is only available if you experience a qualifying event. Short-term coverage is the closest thing you can get to "real" health insurance if you find yourself needing to purchase a policy outside of open enrollment without a qualifying event. Short-term plans are now limited to less than three months in duration, but that will change in late 2018.

POSTED AUGUST 01, 2018 5:05 AM
CO-OP health plans: patients’ interests first
As of July 2018, only four of the original 23 CO-OPs were still operational. The other CO-OPs have failed for a variety of reasons, including premiums that were too low and the unexpected loss of federal funding that was retroactively eliminated.

POSTED JULY 25, 2018 1:49 PM
How Obamacare improved mental health coverage
Without the ACA, we'd still have 45 million people without health insurance, including a significant number of people with behavioral health problems. And health plans would still be able to deny applications based on medical history, and sell plans that didn't cover behavioral health treatment at all.

POSTED JULY 05, 2018 8:43 PM
2018 Obamacare subsidy calculator
An impressive 85 percent of Americans shopping in the exchanges receive subsidies. If you're worried about the cost of premiums, use our subsidy calculator to see how much you'd save.

POSTED JUNE 29, 2018 8:44 PM
Will you receive an Obamacare premium subsidy?
The ACA's premium subsidies are still available, and will be larger than ever in 2019. But many Americans may still be wondering, "Am I eligible to receive a premium subsidy – and if so, what should I expect?"

POSTED JUNE 29, 2018 12:45 PM
Self-employed health insurance deduction
It's important for the self-employed to know all the ways they can save a few dollars here and there. One obvious place to look is on their tax forms, but one look isn't enough: federal deductions for health insurance change regularly, so keep up with code changes.

POSTED APRIL 27, 2018 12:42 PM

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