If you have a health plan in the individual market, on-exchange or off-exchange, you can probably just let it renew for the coming year without doing anything during open enrollment. But this is generally not in your best interest.| healthinsurance.org
State health insurance Marketplaces – or exchanges – vary in terms of enrollment platforms, carrier availability, rates and more. Learn more about your Marketplace.| healthinsurance.org
A proposed federal rule issued this week would, if finalized, bring wide-ranging changes for the Affordable Care Act’s health insurance Marketplace, including a shorter open enrollment period in all states.| healthinsurance.org
Obamacare's annual open enrollment runs until January 15 in most states. Here's why you might want to enroll by December 15 anyway.| healthinsurance.org
Starting in November, DACA health insurance options will include exchange enrollment and eligibility for income-based premium subsidies. The federal government estimates that 100,000 people will be newly eligible for Marketplace coverage under the rule.| healthinsurance.org
When a new Commander in Chief takes office and their party also controls both chambers of Congress, how quickly can they make changes to health policy? Can policy changes happen on “Day One” of a new administration?| healthinsurance.org
If you're like the vast majority of consumers, you may be hearing about CSRs for the first time and wondering why these subsidies are so important, and whether they actually affect your own coverage. Here's what you need to know:| healthinsurance.org
An off-exchange plan is a health insurance policy that is purchased directly from an insurance company or through an agent or broker, outside of the official ACA-created health insurance exchange.| 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
Immigrants can enroll in ACA-compliant individual health insurance just like any other lawfully present U.S. resident. Lawfully present immigrants are eligible for premium subsidies.| healthinsurance.org
State health insurance Marketplaces – or exchanges – vary in terms of enrollment platforms, carrier availability, rates and more. Learn more about your Marketplace.| healthinsurance.org
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust in 2023.| healthinsurance.org
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.| healthinsurance.org
The Affordable Care Act standardized individual health insurance policies by creating a “metal” ranking for individual/family and small-group policies, based on their actuarial value (the percentage of costs that the plan pays across a standard population).| healthinsurance.org
From 2015 through 2021, the IRS did make an annual change — usually quite small — to the percentage of income that you have to pay for self-purchased (individual/family) health coverage. But there’s a lot more to it than just the percentage of income that the IRS says you have to pay for the benchmark plan.| healthinsurance.org
Learn how the Affordable Care Act (Obamacare) improved health coverage and made it more affordable through income-based subsidies.| healthinsurance.org