The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.| healthinsurance.org
The monthly premiums you pay in order to have coverage are not included in out-of-pocket costs. Out-of-pocket costs are only incurred if and when you need medical care, whereas premiums have to be paid every month, regardless of whether you need medical care or not.| healthinsurance.org
Outside of the ACA's open enrollment period, you can only sign up for ACA-compliant health coverage if you qualify for a special enrollment period.| healthinsurance.org
According to Kaiser Family Foundation data, there are about 1.9 million people in the coverage gap across nine states (this does not include North Carolina, as Medicaid expansion will take effect there in late 2023). They aren't eligible for Medicaid, nor are they eligible for premium subsidies in the exchange.| healthinsurance.org
Our ACA health insurance subsidy calculator estimates your premium subsidy based on your income, age and household size.| healthinsurance.org
Need more info about Medicaid in your state? Get updated information on the current status of Medicaid expansion, along with general information about each state’s program.| healthinsurance.org
Most health plans must cover a set of preventive services like shots and screening tests at no cost to you. This includes Marketplace private insurance plans.| HealthCare.gov
Learn how the Affordable Care Act (Obamacare) improved health coverage and made it more affordable through income-based subsidies.| healthinsurance.org
The Affordable Care Act’s open enrollment period is the annual window during which individuals and families can compare the various health plans that are available and select the one that will best fit their needs for the coming year.| healthinsurance.org