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OPEN ENROLLMENT
Nov. 1 - Dec. 15, 2019

2020 OPEN ENROLLMENT BEGINS NOVEMBER 1ST, 2019.

FIND OUT IF YOU QUALIFY FOR $0.00 HEALTH INSURANCE MONTHLY PREMIUMS THROUGH THE AFFORDABLE CARE ACT.

On the next page, answer a few questions that will help us determine if you will qualify for a tax credit or to pay No Monthly Premiums for Health Insurance.

DAYS LEFT UNTIL HEALTH INSURANCE OPEN ENROLLMENT
DAYS LEFT TO GET HEALTH INSURANCE COVERAGE FOR 2020

Frequently Asked Questions

There are many factors that affect health insurance premiums. Regarding individual plans, monthly rates change based on whether you are eligible for a subsidy or not, and these subsidies vary based on household size and income.

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There is no Obamacare health insurance plan.  Obamacare is a nickname for the Patient Protection and Affordable Care Act of 2010 which was also shortened to the Affordable Care Act (ACA).  Qualified health plans sold in the US are regulated by the ACA.  

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That depends on a few different qualifying factors such as how much you expect to earn for that year and your household size. There are federal guidelines for income that your household must fall…

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If you have purchased a Qualified Health Plan through the Health Insurance Marketplace and you were approved for a subsidy, eligibility or enrollment in Medicaid or Medicare services will require you to cancel your subsidy.  You may keep your health insurance plan, but you will have to pay the full monthly premium without a subsidy.  This also applies if you become eligible for or enroll in Veteran’s Coverage or an Employer Sponsored Group Health Plan that is considered affordable based on ACA rules.

You do not have to file a tax return in order to apply for a health  insurance plan but you will have to file a tax return in order to receive a subsidy, even if you are exempt from the US tax filing requirement.  This is because your subsidy eligibility is determined by many factors including your household size and your Modified Adjusted Gross Income (MAGI).  When you file your taxes for the year that you received a subsidy, the IRS will reconcile your subsidy and your income to ensure that you received the proper amount to help you pay your premium.  If you do not file taxes for the year that you received a subsidy, your health insurance plan will be renewed at full price, but you will no longer be eligible for premium assistance.

There are options available that are not considered Qualified Health Plans such as Christian Health Share Ministries, Short-Term Health Insurance plans, and Supplemental Coverages. It is important to remember that because these are not considered Qualified Health Plans they operate very differently. A few ways that they operate differently include the fact that they can exclude for pre-existing conditions, they do not have to cover services such as Preventive Care, Maternity Services, Mental Services, and more, and they can place a Lifetime Maximum of how much they will pay for your medical care.

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In order to qualify for a subsidy, you do have to file a joint tax return if you are legally married with certain exceptions. The Health Insurance Marketplace states:

If you’re married and will file a joint federal tax return for the year you want coverage: You’re eligible for a premium tax credit and other savings if you qualify based on your income and other factors.

If you’re married and will file separately for the year you want coverage: You can enroll in a Marketplace plan together but you’re not eligible for a premium tax credit or other savings, and you may have to complete a separate application.

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If you have access to an Employer-Sponsored Group Health Plan through your spouse, you may qualify for a subsidy but it unlikely. If the premium that your spouse must pay for their portion of Employee Only Coverage (not your premium) is considered affordable and meets minimum standards, you won’t qualify for a subsidy.

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The ACA, nicknamed Obamacare, has many provisions and effective January 1, 2019, the penalty that will be assessed to individuals who are not enrolled in a Qualified Health Plan is $0.00.  Essentially there is no penalty but that has not caused the ACA to go away.

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You will not be eligible for the subsidized premium once you turn 65 and are eligible for Medicare Coverage. There are different supplement options that are provided through Blue Cross…

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The Marketplace uses an income number called Modified Adjusted Gross Income (MAGI) to determine eligibility for premium savings. Income is considered any taxable monies that you will…

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Advance Premium Tax Credits are based on household income, family members in the household, and where you live. When these factors are combined your premium finical assistance…

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Open Enrollment is held annually for 45 days beginning on November 1st and lasting until December 15th. During this time…

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*It is important to note that your insurance agent or broker cannot offer legal or tax advice and is not responsible for any tax filing liability.