Affordable Care Act
Can I still work with eHealth in 2018?
Can I keep my non-grandfathered plan?
- Inform and Automatically Enroll -- The insurer will make you aware that it's moving you to a metallic benefit plan and will transition you automatically to that new plan with no action required on your part.
- Inform and Actively Reenroll -- The insurer will contact you and assist you in actively reenrolling in a new metallic benefit plan.
- Only Inform -- The insurer would simply make you aware that your current plan may not qualify you to avoid the tax penalty next year and you have the option to change plans, but the insurer may elect to let you remain on your current plan.
How do Obamacare subsidies work?
- You live in the U.S.
- You are a U.S. citizen, U.S. national, or lawfully present in the U.S.
- You are not currently incarcerated.
- You are not eligible for other minimum essential coverage.
- Your estimated household income for the year
- The cost of plans in your area. ACA considers health insurance unaffordable when annual premiums for the lowest priced plan costs more than 8.16% of your modified adjusted gross income (MAGI).
Am I required to have health insurance?
Will there be "subsidy only" doctors?
What happens if I have a lapse in coverage?
Can my application be declined?
How does Obamacare affect my HSA?
First, the law eliminated a person's ability to use money in his or her HSA account to buy over-the-counter drugs.
The second big change is that the law increased the penalty for withdrawing funds from your HSA before you reach age 65. The early withdrawal penalty increased from 10% to 20%.
Do I need to be on the same plan as my spouse?
No. There is no requirement in the Affordable Care Act that spouses be on the same plan.
But if you want to qualify for a premium tax credit, or subsidy, to lower the cost of your insurance, be aware that subsidies are based on your total household income level. So even though your spouse will not be covered by the subsidized insurance plan, his or her income will be included when determining the level of subsidy you are eligible for.
View this video on spouse health insurance.
Can I buy something else if I don't like the gold, silver, and bronze plans?
- A bronze plan is 60%.
- A silver plan is 70%.
- A gold plan is 80%.
- A platinum plan is 90%.
As an employer, what's my responsibility to employees who qualify for subsidies?
Can I still see my doctor next year?
For additional information, watch our webcast video on doctors, drugs and out-of-network coverage.
In most cases, access to doctors will work much like it does today. Health insurance plans will contract with networks of doctors, specialists, and hospitals. As long as your doctor is contracted with your plan, there is no reason to believe that doctor will stop taking appointments.
However, it may take longer to see a physician in person. In some areas, the number of people who have health insurance will increase significantly, but there may not be a corresponding increase in the number of doctors and other medical providers.
Can I get insurance for my kids under Obamacare and pay the tax for myself?
I heard subsidies will be eradicated in 2018, is it true?
Do I have to apply for a plan before I apply for a subsidy?
No, you should be able to determine if you're eligible for a subsidy before you shop for a plan and then have that subsidy applied to any qualified policy you apply for.
Any person who is a U.S. resident and is a U.S. citizen or a U.S. national and is not in jail can apply for a government subsidy and they may qualify as long as they meet, among other requirements, the household income requirements. Under the new law, a person whose household income is between 100% and 400% of the Federal Poverty Level will be eligible for a premium tax credit to reduce the cost of coverage. A person with household income up to 250% of the Federal Poverty Level will be eligible for cost-sharing assistance, as long as they are enrolled in a silver plan.
What is the difference between Major medical/subsidy plans vs supplemental/short-term/alternative products?
What are my options outside of open enrollment?
What is the penalty for not having health insurance in 2018?
How often can I change my health insurance plan?
Am I eligible for Obamacare?
- Live in the U.S.
- Be a U.S. citizen or national, or be lawfully present in the U.S.
- Have a household income between 100% and 400% of the Federal Poverty Level.
- Cannot be currently incarcerated.
- Cannot be eligible for other minimum essential coverage (for example: Medicare, Medicaid, CHIP, employer-sponsored coverage).
What are my options if I’m pregnant?
Can I still go on COBRA?
How do the Obamacare subsidies work?
Will I pay more for health insurance if I’m unhealthy?
- Your age: The oldest person can only be charged three times more than the youngest person for the same plan.
- Where you live: The price to deliver care changes from city to city and state to state.
- The size of your family.
- Your tobacco use: A smoker can be charged up to 50% more for the same plan as a non-smoker.
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