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Articles – healthinsurance.org

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 than they were prior to 2018.

POSTED DECEMBER 11, 2018 8:34 AM
How immigrants are getting health coverage
Let’s take a look at the health insurance options for immigrants, and how they’ve changed – or haven’t changed – under the Affordable Care Act.

POSTED NOVEMBER 21, 2018 6:32 PM
No family left behind by Obamacare
Somewhere between two million and six million people are impacted by the family glitch. They are disproportionately lower-income, because lower-wage workers have to spend a larger percentage of their income to pay for health insurance if subsidies aren't available, and because higher-income workers are more likely to work for companies that heavily subsidize coverage for dependents.

POSTED NOVEMBER 15, 2018 6:02 AM
2019 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 OCTOBER 23, 2018 8:44 PM
How Obamacare changed maternity coverage
Before the ACA made coverage guaranteed issue, pregnancy itself was considered a pre-existing condition that would prevent an expectant parent (male or female) from obtaining coverage in all but five states. Thanks to the ACA, maternity coverage is included on all new plans.

POSTED OCTOBER 16, 2018 1:26 PM
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
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

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