On Private Health Insurance Coverage & The Health Insurance Marketplace
FAQs tagged with “Affordability”
- I have an offer of coverage from my employer, but the premiums are too expensive and I have to pay a lot out-of-pocket. Can I get financial help in the health insurance marketplace?
- I want to add my spouse and/or children to my employer-sponsored plan but I can’t afford the family premium. Can my spouse buy a more affordable plan on the health insurance marketplace?
- I’m eligible for COBRA but haven’t elected it yet. Does that affect my eligibility for marketplace subsidies?
- I’m eligible for health benefits at work, but I didn’t turn in my enrollment papers on time during the company’s open enrollment, so now I’m not covered. Can I get a policy in the marketplace instead? Can I apply for premium tax credits?
- If I’m eligible for other coverage but haven’t enrolled in it yet, can I qualify for premium tax credits in the marketplace?
- My employer won’t fill out the form that asks about the affordability of our coverage. I think my job-based plan is unaffordable and I’m not enrolled in it. Can I apply for marketplace coverage and premium tax credits without that form?
- My employer’s plan is grandfathered so it doesn’t cover preventive services. Can I shop for better coverage in the marketplace if my job-based plan is grandfathered?
- My large employer offers health benefits to me. My spouse works and has coverage through their job. To figure out whether my coverage is affordable, do I just count my income or do I count my spouse’s salary, as well?
- When are you not eligible for premium tax credits?
- Who is eligible for marketplace premium tax credits?