Q: Am I required to have health insurance under the ACA?
A: You may be exempt due to financial conditions and other considerations. Find out here.
Q: Where can I get health insurance?
A: You can obtain health insurance from:
- Your employer or your partner's employer
- A private insurance company
- Government programs such as Medicaid, Medicare, or CHIP
Q: What has the ACA changed about health insurance?
A: The law eliminates pre-existing conditions, making it illegal for insurance companies to deny you coverage or charge more based on your condition before signing up.
Insurance companies can no longer put a lifetime or annual cap on coverage and cannot make you pay unlimited out-of-pocket costs. The law also provides free preventative care and covers young adults until the age of 26.
Learn more about protections under the ACA.
Q: Is there anything available to help me with costs?
A: The Health Premium Tax Credit reduces the total amount of tax you owe the IRS. If you don't owe, you can get a bigger refund. You get the tax credit to help cut the cost of your health insurance. Learn more here.
Q: I have a 2014 plan from the Marketplace. Can I keep it in 2015?
A: If you obtained a health insurance plan through the Marketplace in 2014, you can either renew your current plan or enroll in a different plan for 2015. Learn more about your options.