Ryan Kennelly

Since you’re living in Texas, you’ll probably have better access to the local medical care you need if you buy a plan on the Texas exchange. In addition, a number of states offer multi-state plans with national networks of doctors and hospitals. That may be an option if you want access to providers in both …

If a couple divorces, each person’s eligibility for premium tax credits will generally be based on his or her own annual income. The former spouse’s income won’t be counted, even if the couple filed taxes jointly the previous year. Premium tax credits are available to people with incomes up to 400% of the 2019 federal poverty …

The Affordable Care Act made some changes to CHIP, the Children’s Health Insurance Program. Let’s take a look at the ACA and CHIP and learn how the changes may affect your family. Health coverage is free or low cost for Kids and Teens through Medicaid and CHIP. CHIP is offered 365 days a year, so there is no …

CHIP is the acronym for the Children’s Health Insurance Program. Under the Affordable Care Act, also referred to as the ACA, the CHIP program underwent several revisions. Following are the key changes that parents need to know about. While uninsured adults had to wait until January 1, 2014 for coverage under Medicaid expansion to go into …

Every year, the perimeters of the Federal Poverty Level (FPL) increase based on the cost of living. Families need to understand where they fall on the FPL so they know whether they are eligible for Medicaid in their state or whether they are eligible for a federal Subsidy because they earn between 100 and 400 …

The law protects people in your situation. As you note, the health law limits eligibility for premium tax credits to people with incomes between 100 and 400 percent of the 2019 federal poverty level ($12,140 to $48560 for an individual). The health law originally expanded Medicaid coverage to adults with incomes up to 138 percent …

If you don’t qualify for lower costs based on your income, you can get coverage 4 ways according to HealthCare.gov: Directly from an insurer. You can contact any health insurance company and see plans available in your area. Many have websites that let you compare all plans available from that company. Our site offers all …

Without taking cost assistance into account, you’ll never pay more for a specific plan in a specific region regardless of how you shop.  Prices are tightly regulated and prices of plans cannot be changed based on factors like commissions.  In fact broker and agent commissions are paid for directly by the insurer out of a pool.  If …