/r/obamacare

Photograph via snooOG

The Patient Protection and Affordable Care Act (PPACA), informally referred to as Obamacare, is a United States federal statute signed into law by President Barack Obama on March 23, 2010 after nearly a year's worth of overall consideration by both chambers of Congress. The law (along with the Health Care and Education Reconciliation Act of 2010) is the principal health care reform legislation of the 111th United States Congress.

Welcome! This sub is devoted to information and discussion about the Patient Protection and Affordable Care Act of 2010. We have created a FAQ with some frequent questions received on this sub, and links to other resources. If you started to sign up by March 31 but were unable to complete enrollment, you may still be able to apply depending on your situation and state; see our deadline FAQ for more details. Medicaid and CHIP applications are not subject to any deadlines and you can apply at any time. Further information of course is available at healthcare.gov.

Self-posts with questions are always welcome; you may wish to check the FAQ. Please keep your titles clean. If you're comfortable, including your state can help as rules do vary by state.

If you wish to post or link, you may wish to review our posting guidelines.

/r/obamacare

2,188 Subscribers

1

HSA with no HSA plan

So my agent is recommending that I pick a plan that is not HSA eligible but continue to fund the HSA. He says it’s normal and no one checks on this. Has anyone ever heard of this? Last thing I want is to get in trouble with the IRS.

1 Comment
2024/12/05
00:51 UTC

1

How can I file a complaint against Healthcare.gov?

Can anyone please help me identify the oversight department for Healthcare Marketplace and determine whether they have a method for filing a complaint against Healthcare.gov?

It's a long story, but briefly, they have clearly messed up somewhere, and while my application was canceled, they suddenly said I had coverage and asked me to pay ~$6000 tax credit. The complaint department of the healthcare marketplace says this is beyond their authority.

0 Comments
2024/12/04
22:55 UTC

4

Obamcare enrollment triples in Tennessee since the program began and rates will dip for some plans next year. But premium tax credits for such health exchange plans could be cut by the end of 2025.

0 Comments
2024/12/03
02:18 UTC

3

Can I get on the exchange in August?

Okay, my situation - My family and I are currently on a COBRA plan from my last employer. It expires in August. Can I get on the exchange then and get a new plan? Is that a qualified event? Or should I do it now in open season.

Thanks!

5 Comments
2024/12/01
22:03 UTC

32

What will Trump and Dr. Oz. do to the ACA?

I was going to retire early next year at age 55, but will need ACA insurance for 10 years. Now I’m nervous about it. Anybody else in this boat and what are your thoughts? Who knows what this administration will do.

83 Comments
2024/11/25
02:56 UTC

2

Does anyone know where I can find SPECIFIC information on savings a tribal member can get in the marketplace?

I have been trying to look and I’m just finding vague “savings” and “extra savings” if your “income qualifies.”

I guess I’m looking for what incomes X household sizes would qualify for reductions in cost-sharing and some kind of ballpark for what the total benefits of that might be.

I have never lived near our tribal lands so haven’t used the IHS, and always had employer coverage. But - I may need to enroll in the ACA next year. But, I’m not sure I will qualify for subsidies just based on income alone. I will sort of be right around the cutoff. But I saw reference to this today and wanted to explore it because I really need to figure out how I could make this work. We are in a state that did NOT expand Medicaid or set up their own marketplace, unfortunately, so the costs are fairly high.

TIA.

5 Comments
2024/11/14
02:38 UTC

2

Any problems with moving around between states and still be in the marketplace?

This is perhaps a tax question, feel free to tell me this is the wrong sub.

Are there any "residence" or "domicile" requirements for the marketplace? As I am very temperature-sensitive I plan to spend my winter months in a Southern state and my summer months in a Northern state. I understand moving is always a reason for a special enrollment, but can I really change my address for the marketplace, along with cancellation and re-appoval and picking a new plan, twice every year? Would that have any tax implications? (8962 and related)

Assuming only for the next 1 - 2 years, I know the new administration will want to repeal the ACA when I will probably have to revisit this question. Looking for an answer for the next 1 - 2 years.

8 Comments
2024/11/12
22:18 UTC

5

Stuck in Medicaid status?

I am retired (age 58 - Ohio) and applying for health care for the first time since my Cobra coverage will be running out soon. I have less than $500/month in income so it's kicked me into the "pending Medicaid" status that I'm not sure how to get out of. I definitely don't qualify for Medicaid since I have a house and assets. So a few questions if anyone happens to know the answers...

  1. How do I bypass the Medicaid thing? It's been two weeks and I'm still waiting for the state agency to contact me.

  2. Since I won't qualify for Medicaid, will I still be eligible for assistance since I have little income?

  3. Does an IRA conversion (Traditional->Roth) count as income if I decide to go that route?

Thank you!

18 Comments
2024/11/12
19:26 UTC

2

Confused about PPO and taxes

Here's my situation, I make too much for Obamacare. My 2025 premium will be between $680 to $840. I went with a PPO last year in 2024 because I can't afford $680 a month. Right now is open enrollment for Obamacare. I have been bombarded with calls to renew. My question is, one agent told me my BWA MyChoice Plan Mid is not considered insurance and I will be penalized when doing taxes in 2025. Is this true or was he trying to make a sale? Thank you in advance.

5 Comments
2024/11/08
17:58 UTC

8

CoveredCA

Does anyone know what plans California specifically has for health insurance if the ACA were completely repealed?

Does Newsom have concrete plans for NewsomCare maybe like RomneyCare in Massachusetts in 2006? Single-payer universal has gone nowhere.

4 Comments
2024/11/07
19:43 UTC

8

NY State insurance if the ACA is repealed?

Is anyone familiar with NY State health insurance exchanges and how it would be affected without the ACA? I don't really understand it and can't find info. What I hear is the state has enacted something into their constitution regarding health care. What would this specifically mean for pre-existing conditions?

6 Comments
2024/11/06
23:48 UTC

1

Together or separate?

We will be signing up for Market place Healthcare in PA and we always thought we should buy a plan together for myself and spouse, however in initial conversation with broker they suggested buying individual plans. We have a follow up meeting but I wanted to hear independently if there are any advantages to it and how do you handle income question when we file joint return. Any suggestions, ideas or comments are appreciated.

2 Comments
2024/11/06
17:17 UTC

1

Filled out application and chose a plan, now says "incomplete"

I filled out my application on healthcare.gov, it was accepted and I chose a plan but didn't pay for it that same moment. I've just logged in to try and pay my first premium, and I can see the info saying I have that insurance plan I chose, but no information about payment, and then when I go to Application Details, it says my application is incomplete, and wants to me to fill everything out again. Is it just incomplete because I haven't paid? I can't find that page that says "Pay your first premium" anymore.

Did I do something wrong? Am I just missing something really obvious? Do I have to fill the whole "incomplete" application out again (and if I do, what will happen to the 2025 insurance that it says I've already chosen)?

1 Comment
2024/11/06
16:39 UTC

68

So is it all over?

As a Leukemia survivor who buys on the exchange, how long until they get rid of it all? Mike Johnson said it will be a big part of the agenda. We're self employed and have been buying our own coverage for 20 years, so I know how much worse it was to buy without all the protections. I paid more pre-ACA for less coverage. 20 years ago we were in our 30's and extremely healthy when we were rejected by the first company we applied to because my husband had visited a chiropractor in college. Now I am almost 10 years out from the mother of all pre-existing conditions and would never get coverage without ACA.

124 Comments
2024/11/06
06:57 UTC

1

Can I delay my health benefits?

I recently got hired for a full time job and have officially enrolled in their health benefits (health,dental, and vision). These benefits don’t take effect until Dec 1st

However, I’m currently on another plan under Obama Care with my parents because I come from a very low income family, but thankfully I just got a full time job. I want to ride out my current insurance until the end of the year because my doctors and everything will change. Is it possible to delay my benefits until next year Jan 1st 2025? (Delay for 1 month).

Who/how do I ask?

3 Comments
2024/11/05
16:51 UTC

1

Filling out ACA application for '25. Currently working will retire 12/31/24

Application is requesting i fill out my Nov '24 income, including wages which I will no longer have in '25. Does just selecting that my income will be different next year and providing next year's estimate give them the necessary info to adjust my subsidies?

2 Comments
2024/11/04
19:39 UTC

3

Amending/Editing obamacare income information for 2023-2024

I've enrolled in Obamacare since December 2023 and have been receiving health care since then. However, I gave my agent the wrong AGI (50,000) when it was actually around 30,000. Because of this, I had to pay $100 in monthly premiums and also owed taxes of about $500. Is there a way to amend or correct my income information, since it was incorrect, and possibly receive compensation? Please help.

7 Comments
2024/11/04
19:03 UTC

2

Parent who is a greencard holder, not working, living in our house, what is his income based off?

Does anyone know if my parent could apply get the Obamacare tax credit if he's not earning anything, but living in our house? There is reference to: "If your annual household income is below 100% FPL", is my income considered part of his household income?

Thanks

12 Comments
2024/11/04
03:24 UTC

2

Self Employment: annual income going up in 2024, but prob down for 2025. If I report the change in December, will I still have the lower income for January? Currently on cost sharing reduction, chronically ill and at out of pocket limit...

Currently on a cost sharing reduction plan...and anticipating both some major expenses AND possible major income due to a client paying for next year's project this year.

If the client does pay, and I don't go for the expenses, then my income will be significantly higher than forecasted. I should know by December what my year end will look like...but by then I'll have paid my last premium for the year.

Next year looks lower income. My illness is worsening and I'm not up for the load I took this year. Plus, if this client pays ahead, I'll look even lower next year.

I don't want to break any rules or be blacklisted...but I also am wondering if it creates MORE trouble to update my 2024 income when I know 2025 will be back to low and cost share-y.

Trying to guess income ahead is so damn stressful.

3 Comments
2024/11/01
23:37 UTC

2

Can I keep my Marketplace Insurance?

Hello all! Insurance matters confuse the heck out of me so I was hoping to get some advice here!

My husband and I currently have a plan through the marketplace. My 2 kids currently have a plan through FL Healthykids.

My husband just got a new job that offers what seems to be pretty crappy ins through Imagine360. So, I would REALLY like to stay with the Marketplace Coverage.

So here is the breakdown and where I am not sure if I am figuring stuff out correctly and need some help:
Husbands salary - 72,000 a year
My salary - can be anywhere between 12,000 - 20,000 a year (I am an Independent Contractor and it depends on how much work I am offered so no way of telling for sure at all how much I will make).

So, household income can be anywhere between 84,000 and 92,000 / year

Cost of the plan for Employee plus family is 318.33 semi monthly. We would have to do the whole family as kids will no longer be eligible for Healthykids. That's 636.66 a month. Times that by 12 its 7,639.92 a year for coverage.

My basic confusion is... Is that considered affordable for 2025? I see the affordable rate is 9.02% 9.02 of 84,000 is 7576. But, 9.02 of 92,000 is 8298. So, how can I tell really if it is considered affordable if I do not know how much I will make? What happens if I say no but I end up getting a lot of work and we end up being closer to 92,000?
Side note: He asked his employer if the coverage meets the health care law’s minimum value standards and they didnt seem to know really what that was but said yes. Not sure how confident I am in that.

Any help or advice you can provide is greatly appreciated. Both my kids have medical issues so coverage is of the upmost importance to us!

5 Comments
2024/11/01
03:25 UTC

2

Income Estimation for Obamacare Subsidy?

I’ll be applying for Obamacare Health Insurance for 2025. I am currently unemployed, so I don’t have any employment income, but I do have several bank accounts that will earn interest. Plus, I’ll be taking a $15k distribution from an Inherited IRA in 2025. All in all, when I complete my 2025 tax return, I’ll likely have about $20k in interest income from various high yield savings accounts plus the $15k from the Inherited IRA distribution for a total of $35,000. That would be my gross income for 2025.

When the application asks, “How much money will you earn this year?”, do the 2 things I mentioned above count as income as far as Obamacare is concerned, or do they only count employment income when determining the subsidy people qualify for? Thanks

7 Comments
2024/10/29
04:50 UTC

2

please teach me about Easy Pricing

I haven;t searched Obamacare in years, but now things at home have changed. Is Easy Pricing something useful to people looking for desired coverage at lowest cost? Or should I ignore it? Or do something in between? Thank you.

2 Comments
2024/10/27
02:30 UTC

4

Why does it cost so much

My mom is trying to get health insurance through the affordable care act but the coverage is terrible and it costs 800-900 dollars a month. How is that affordable and why is it so expensive?

9 Comments
2024/10/26
04:44 UTC

1

Has anyone heard about the use of links for agent changes during Open Enrollment 2025?

Hello everyone, I am a health insurance agent, and I've heard some rumors about possible changes in the agent change process for Open Enrollment 2025, including the possibility of using links for clients to authorize the change. Has anyone else heard anything about this or have more detailed information? Any data or recent experiences would be very helpful. Thank you!

1 Comment
2024/10/24
18:07 UTC

0

ACA subsidy for half of the month?

Hi, if I have Obamacare and then have to leave the country for a few months, and I choose to cancel the insurance, will I still get the subsidy for the month I cancel? For example, if I cancel the insurance on the 10th of the following month (say November), and the insurance company charges me a prorated amount for November, will I still receive the full subsidy for November? I understand that the subsidy is not prorated. Thanks.

2 Comments
2024/10/22
06:39 UTC

6

What happens to ACA if GOP wins house, senate and presidency?

My guess is that they might want to alter it. I heard “concept of a plan” comment and I did research on what did GOP try to do earlier. I think they will make it a block grant to the states and cut the amount of this block grant. States will then have to come up with options to provide healthcare and the amount of discounts to be provided.

I am particularly interested as I am an early retiree and still have lots of years to go before I would be eligible for Medicare.

So it seems, premiums would move higher. Hope they don’t end pre-existing condition coverage.

I just hope democrats can hold on to at least one of the 3 branches to avoid this situation

38 Comments
2024/10/11
01:14 UTC

2

Early Retirement Date and ACA

I am 63. Planning to retire in 2025 between May and July. Will Obamacare (ACA) coverage be feasible if I make around $25k then retire on go on a very small pension? I am wondering how much longer I should work. I have a few bills I'd like to finish paying off before retirement. Insurance is the only drawback from being sure of when I should pull the trigger. Thanks

13 Comments
2024/10/10
20:37 UTC

1

Dependent Adult Children

My kids are both adults, live at home and have no income. We claim them as dependents on our taxes. As my income has gone up, their tax credits for ACA have gone down. I know that if we stop claiming them as dependents and they file their own taxes, their tax credits will change and they may even be eligible for Medicaid (we are in Washington, so that's called Apple Health). But what if we continue to support them with room and board? Will that affect their eligibility?

2 Comments
2024/10/09
17:05 UTC

1

So lost

Okay, I'm so bad at understanding insurance, so I'm hoping you guys can help a bit! So I switched jobs and was waiting on insurance to kick in, but they're going to have to temporarily lay me off before that insurance actually kicks in. My COBRA from the last job is like 700$ and I absolutely can't afford it right now. My issue is the fact that my roommates both make good salaries, both like 40-50k and year or so which puts me at the really high end of the ACA spectrum. Will their incomes affect me as well?

3 Comments
2024/10/09
13:29 UTC

Back To Top