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What is health insurance? | healthinsurance.org

Details: Health insurance – also referred to as medical insurance or health care insurance – refers to insurance that covers the cost of a policyholder’s medical expenses. How much the insurance covers – and how much the policyholder pays – depends on the specifics of the policy itself, with specific rules and regulations that apply to some plans.

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About healthinsurance.org | healthinsurance.org

Details: Created in 1994, healthinsurance.org is one of the longest running sources of in-depth information about health insurance for consumers. Back then – when web sites were really just picking up steam – the site was known as the Health Insurance Resource Center.

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Delaware health insurance: find affordable coverage

Details: Health insurance in Delaware. Delaware’s health insurance marketplace is a partnership between the state and HHS, with residents enrolling through Healthcare.gov.; Open enrollment for 2021 health plans runs from November 1 – December 15, 2020. Outside that window, a qualifying event is necessary in order to enroll or make plan changes.; Short-term health insurance plans are available in

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Wyoming health insurance: find affordable coverage

Details: This page is dedicated to helping consumers quickly find health insurance resources in the state of Wyoming. We’ve included an overview of open enrollment in Wyoming, and Wyoming’s health insurance marketplace, which has two participating insurers as of 2021, with Mountain Health CO-OP joining after five years of Blue Cross Blue Shield being the only insurer offering individual market plans.

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Iowa health insurance: find affordable coverage

Details: Health insurance in Iowa. Iowa operates a partnership health insurance marketplace so residents use the HealthCare.gov website to enroll in health insurance plans.; Open enrollment for 2021 coverage in Iowa runs from November 1 – December 15, 2020. Residents with qualifying events can enroll outside of that window.; Short-term health insurance plans can be sold in Iowa with initial plan

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Kansas health insurance: find affordable coverage

Details: Health insurance in Kansas. Kansas utilizes the federally run health insurance marketplace , with enrollment through HealthCare.gov.; Open enrollment period for 2021 health insurance plans runs from November 1 – December 15, 2020. Tesidents with qualifying events can still enroll or make changes to their coverage for 2020.; Short-term health insurance plans can be sold in Kansas with initial

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New Hampshire health insurance: find affordable coverage

Details: Health insurance in New Hampshire. New Hampshire utilizes a partnership health insurance marketplace with enrollment through HealthCare.gov.; Open enrollment in New Hampshire for 2021 health plans is November 1-December 15, 2020. Residents with qualifying events can still enroll or make changes to their medical coverage for 2020.; Short-term health insurance plans are available in New

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Missouri health insurance: find affordable coverage

Details: Health insurance in Missouri. Missouri’s enrollment is through the federally facilitated exchange at HealthCare.gov.; Open enrollment for 2021 health plans is November 1 – December 15, 2020. Outside of that window, residents with qualifying events can enroll or make changes to their coverage.; Short-term health plans can be sold in Missouri with initial plan terms up to six months.

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Massachusetts health insurance: find affordable coverage

Details: Massachusetts health insurance. Massachusetts utilizes a state-based health insurance exchange called Massachusetts Health Connector.; Open enrollment for 2021 coverage is November 1 – December 15, 2020, although an extension has been issued in past years.; Eight insurers are offering 2020 coverage in the Massachusetts individual market.; About 312,000 Massachusetts residents enrolled in

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My employer offers coverage to our whole family, but only

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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5 ways to stay insured after college - health insurance

Details: At Vox, health reporter Sarah Kliff is spent well over a year collecting emergency room bills from across the country, and the reports are an eye-opening look at just how much it costs when people end up needing emergency treatment – which can happen to anyone, regardless of how healthy they are.A five- or six-figure medical bill would be crippling for most young people, especially on top of

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Pennsylvania health insurance: find affordable coverage

Details: Health insurance in Pennsylvania. Pennsylvania is switching to its own exchange (Pennie) in the fall of 2020.; Pennsylvania will also have a reinsurance program as of 2021, using federal pass-through funding and the savings generated by switching to a state-run exchange.; Open enrollment for 2021 health plans is November 1, 2020 to January 15, 2021 (a one-month extension, enabled by the state

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My employer offers insurance, but I think it’s too

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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› Url: https://www.healthinsurance.org/faqs/my-employer-offers-insurance-but-i-think-its-too-expensive-can-i-apply-for-a-subsidy-to-help-me-buy-my-own-insurance/ Go Now

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Oregon health insurance: find affordable coverage

Details: A guide to individual health insurance in Oregon, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare. Five insurers that offered exchange plans for 2018 coverage are offering coverage for 2019 through the exchange. Two carriers off-exchange plans.

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Obamacare: the Affordable Care Act | healthinsurance.org

Details: Health insurance marketplaces. Health insurance marketplaces – also referred to as health insurance exchanges – were established to help American consumers easily compare coverage details and costs across a wide range of qualified health plans.These policies – deemed ACA-compliant – must meet standards established and enforced by the federal government and state governments.

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Nebraska health insurance: find affordable coverage

Details: Health insurance in Nebraska. Nebraska uses the federally facilitated health insurance marketplace but the state oversees aspects of the plans available for sale.; Open enrollment for 2021 health plans runs from November 1 – December 15, 2020. Residents with qualifying events can enroll outside of that window; Short-term health insurance plans can be sold in Nebraska with initial plan terms

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How does a health savings account (HSA) work

Details: A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals

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District of Columbia health insurance: find affordable

Details: Health insurance in District of Columbia. The District of Columbia enrolls through DC Health Link, a state-run health insurance exchange.; Open enrollment for 2021 coverage runs from November 1, 2020 to January 31, 2021 (a permanent extension; open enrollment in DC lasts for three months each year).And DC’s COVID special enrollment period also continues through January 31, 2021.

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If I've enrolled in a plan for the new - health insurance

Details: About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 619-367-6947 619-367-6947 to speak directly with licensed enrollers who will provide advice

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We're a family of four with an income - health insurance

Details: Q. We're a family of four with an income of $47,000 a year. What kinds of subsidies are available to help us purchase insurance through the exchanges? A. The government offers two types of subsidies for people who buy their own insurance in the state’s marketplaces (a.k.a. health insurance exchanges). Based on your income and family size, you would be eligible for both of them.

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Billions in ACA rebates show 80/20 Rule's impact

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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South Dakota health insurance: find affordable coverage

Details: Health insurance in South Dakota. The South Dakota health insurance marketplace uses the federally run exchange so applicants enroll through HealthCare.gov.; The open enrollment period for 2021 health plans in South Dakota is from November 1 through December 15, 2020. Residents with qualifying events can enroll or make changes to their coverage outside that window.

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Medicare in Alabama - health insurance

Details: The Department of Insurance also oversees the agents and brokers who offer health coverage in Alabama, and can provide assistance and information in a variety of health coverage situations. The Medicare Rights Center is an excellent resource, as is Medicare.gov.

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Arizona health insurance: find affordable coverage

Details: Health insurance in Arizona. Arizona residents use HealthCare.gov to enroll in exchange plans; Open enrollment for 2021 health insurance plans is November 1 – December 15, 2020. Outside that window, individuals and families with qualifying events can enroll or make changes to their coverage.; Short-term health insurance can be sold in Arizona with terms of up to 364 days and total duration

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Nevada health insurance: find affordable coverage

Details: The health insurance marketplace, which is also called a health insurance exchange, was a major component of the Affordable Care Act (Obamacare), along with Medicaid expansion provisions. Exchanges were launched in 2013 for healthcare/insurance benefits that first went into effect in 2014.

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What happens if my income changes - healthinsurance.org

Details: About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 619-367-6947 619-367-6947 to speak directly with licensed enrollers who will provide advice

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healthinsurance.org Authors | healthinsurance.org

Details: Dr. Linda Bergthold has been a health care consultant and researcher for more than 25 years. She worked on the Clinton Health Reform plan and was the head of the Obama health care blog team in 2008. She also writes for The Huffington Post on health reform and insurance issues. Read more

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Medicare in Georgia - health insurance

Details: About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 855-852-0829 619-367-6947 to speak directly with licensed enrollers who will provide advice

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I’m self-employed. Can we deduct my husband's Medicare

Details: Q. I am self-employed and my husband is on Medicare. I deduct my health care premiums on my income tax. I recently heard that I also can deduct his Medicare Part A, Part B, Part C and Part D premiums. Is this really true? A. Yes. In 2012, the IRS ruled that Medicare insurance premiums can be counted. Under the ruling, Medicare premiums covering the self-employed individual – as well as his

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Qualifying events that can get you coverage

Details: Open enrollment for health plans in the individual market (on- and off-exchange) runs from November 1 to December 15 in most states. DC, California, and Colorado have extended open enrollment windows, and several other fully state-run exchanges generally extend their enrollment windows by at least a week each year.. Once open enrollment ends, ACA-compliant plans are only available to people

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Medicare in Nevada - health insurance

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Under the ACA, can I still have an individual HDHP and an

Details: A. Yes, you can still have an HDHP and an HSA, and there are HDHPs in the ACA-compliant market in nearly all areas of the country. There was initially some concern that high deductible health plans (HDHPs) wouldn’t be able to meet the ACA’s actuarial value requirements (at least 60 percent of average costs covered), but that was resolved prior to the 2014 launch of the ACA’s exchanges.

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'So long' to limits on short-term plans | healthinsurance.org

Details: Millions of Americans seeking alternatives to the Affordable Care Act’s comprehensive (but in some cases cost-prohibitive) health coverage may gravitate to short-term health plans, enticed by an attractive feature: coverage that they can hold on to longer.. Thanks to an executive order signed by President Donald Trump and the associated regulation changes that HHS finalized in August 2018

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North Dakota health insurance: find affordable coverage

Details: ND health ratings. In 2018, the Commonwealth Fund’s Scorecard on State Health System Performance rated North Dakota 22nd out of the 50 states and District of Columbia. North Dakota’s Scorecard includes additional details about the state’s health factors and outcomes to show how the rankings are calculated. But the 2019 edition of America’s Health Rankings placed North Dakota higher, at

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Where do I find my 1095 tax form? | healthinsurance.org

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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State health insurance guides | healthinsurance.org

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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A change in subsidy eligibility changes - health insurance

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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What is the Medicaid ‘coverage gap - health insurance

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Colorado health insurance: find affordable coverage

Details: Colorado health insurance. Colorado utilizes a state-run health insurance marketplace.; Open enrollment for 2021 health insurance plans in Colorado will run from November 1, 2020 through January 15, 2021.; Legislation to create Colorado’s Public (“State”) Option was abandoned in 2020 amid the COVID-19 pandemic; lawmakers hope to revive it in the 2021 session.

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The Scoop: health insurance news – October 28, 2020

Details: 2021 health plan browsing now enabled nearly nationwide. Two weeks ago, nine of the state-run exchanges had already enabled window shopping for 2021 health plans. As of this week, two more – Connecticut and Washington – have joined them, and so has HealthCare.gov, which is used in 36 states.

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What happens if I buy insurance but it doesn't meet ACA's

Details: Minimum essential coverage: Key takeaways. Minimum essential coverage just means health insurance that is considered good enough to meet the ACA’s individual mandate.; The individual mandate penalty was eliminated after 2018, so people uninsured in 2019 or beyond won’t owe a penalty unless they’re in a state that has established its own penalty.

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If my income is less than expected this - health insurance

Details: Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

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Short-term health insurance in Virginia | healthinsurance.org

Details: Short-term health plans in Virginia. Short-term health insurance in Virginia is available with initial terms of up to 364 days.; A new law, which takes effect in July 2021, will sharply restrict short-term plans, limiting terms to three months and banning their sale during the ACA open enrollment window.; Before Democrats gained control of Virginia’s legislature, bills were passed in 2018

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How does my access to employer - health insurance

Details: Q. My husband and I have a combined household income of $64,000 and we have three children. I know that puts us under the income cutoff for getting a subsidy in the exchange, but we also have access to health insurance through my employer.My company lets me buy health insurance for myself for $90/month, but adding my husband and kids brings the total payroll deduction to $850/month.

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How is autism covered under the Affordable Care Act

Details: Q. How is autism covered under health plans sold in the health insurance marketplaces or under the ACA? A. According to the U.S. Centers for Disease Control, one in every 88 children in the United States has autism. In recent years more and more states have begun mandating coverage by health plans for services in the treatment of autism.

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Maine health insurance: find affordable coverage

Details: Maine uses the federally run health insurance marketplace at HealthCare.gov, although the state is planning to switch to its own exchange platform in the fall of 2021.; Open enrollment period for 2021 medical coverage in Maine will run from November 1 – December 15, 2020. A qualifying event is necessary to enroll outside of that window.; In contrast to the LePage administration’s

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What is a bundled plan? | healthinsurance.org

Details: About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 619-367-6947 619-367-6947 to speak directly with licensed enrollers who will provide advice

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If I get an Obamacare subsidy in the - health insurance

Details: About our health insurance quote forms and phone lines We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or call 619-367-6947 619-367-6947 to speak directly with licensed enrollers who will provide advice

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healthinsurance.org in the news | healthinsurance.org

Details: Our coverage and analysis of health reform and is routinely cited by the media tracking provisions of the Affordable Care Act. Louise Norris, who anchors our coverage of ACA’s health insurance marketplace has received glowing praise for her updates. (In June 2017, Norris was invited to participate in a public radio panel of healthcare thought leaders at WNYC to help reporters and producers

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