Author: Ritthy Torres

Health insurance can be confusing, especially when it comes to the Affordable Care Act (ACA). In this blog post, we will break down some of the key terms you need to know to understand ACA health insurance. Key Terms: Premium: The monthly or annual cost of your health insurance plan. Deductible: The amount of money…

The Affordable Care Act (ACA) has significantly impacted healthcare coverage in the United States. One aspect of ACA is the provision of health insurance options for individuals who do not have employer-sponsored insurance. ACA Eligibility and Income The ACA uses your annual adjusted gross income (AGI) to determine your eligibility for premium subsidies and cost-sharing…

For self-employed individuals and small business owners, securing health insurance can be a daunting task. With the complexities of the Affordable Care Act (ACA), navigating the system can feel overwhelming. In this blog, we will delve into the intricacies of ACA health insurance, providing valuable insights to help you make informed decisions. Understanding Healthcare Marketplace…

Introduction If you’re receiving health insurance through the Affordable Care Act (ACA), you may be eligible for a subsidy to help lower your monthly premiums. While there are various ways to qualify for a subsidy, such as meeting certain income requirements or having eligible dependents, one lesser-known strategy involves using an Individual Retirement Account (IRA)….

Many people rely on the Affordable Care Act (ACA) premium tax credits to help them afford health insurance. These credits are available to individuals and families with incomes below certain limits. However, the amount of the credit you receive can be affected by your marital status and income. Marriage and ACA Premium Tax Credits If…

ACA and Pre-ACA Insurance Policies The Patient Protection and Affordable Care Act (ACA) has significantly changed the landscape of health insurance in the United States. Before ACA, individuals could purchase individual health insurance policies. However, insurers had the discretion to deny coverage or increase premiums based on pre-existing conditions or other factors. Premium Increases and…

In the wake of the Affordable Care Act (ACA), understanding health care costs and tax credits has become more important than ever. Health insurance under the ACA The ACA, also known as Obamacare, brought about significant changes to the health insurance landscape. One of the key provisions of the ACA was the expansion of Medicaid,…

Introduction: The Affordable Care Act (ACA) provides health insurance subsidies to low- and middle-income individuals and families. Understanding how different income sources impact ACA eligibility is crucial for maximizing these subsidies. This blog delves into ACA health insurance and provides guidance on optimizing withdrawals to qualify for maximum subsidies. ACA Income Eligibility: ACA subsidies are…

Imagine that you are stopping working next year around mid-March and are wondering what to do about health insurance. You are not alone. Many people leave their jobs each year, and they need to know how to get health insurance after they lose their employer-sponsored coverage. Fortunately, the Affordable Care Act (ACA) makes it easier…

The Affordable Care Act (ACA) provides health insurance coverage to millions of Americans. But there are specific times when you can enroll in ACA health insurance. This blog post will discuss the different enrollment periods and how to enroll in ACA health insurance. Open Enrollment Period The Open Enrollment Period is the main time when…

The Affordable Care Act (ACA) promotes shared decision-making between patients and physicians. This approach empowers patients to actively participate in their healthcare decisions, leading to better health outcomes and satisfaction. Here are five tips to help you engage in shared decision-making with your doctor: 1. Be informed about your condition. The first step to shared…

The Affordable Care Act (ACA), also known as Obamacare, has been a topic of much debate since its inception. One of the key provisions of the ACA is its subsidy program, which helps make health insurance more affordable for low- and middle-income individuals and families. In this blog, we will delve into the topic of…

The Affordable Care Act (ACA), often referred to as Obamacare, has transformed the health insurance landscape in the United States, providing millions of Americans with access to affordable health coverage. While the ACA has brought significant benefits, understanding the intricacies of the coverage can be challenging, especially when it comes to staying within your network…

In the post above, a woman asks if she can get a tax credit on a marketplace plan for herself even though her husband’s job offers health insurance. The answer is yes, she can, but she won’t qualify for a subsidy because her husband has the offer of coverage under his plan. This is known…

The Affordable Care Act (ACA), also known as Obamacare, has been a controversial topic since its inception. However, one thing that is undeniable is that the ACA has been a lifeline for low-income Americans. Before the ACA was passed, millions of Americans were uninsured. This was due to a number of factors, including the high…

The Affordable Care Act (ACA), also known as Obamacare, is a landmark piece of legislation that has had a significant impact on the American healthcare system. The law was passed in 2010 and has since undergone several changes and updates. The ACA has a number of key goals, including: Expanding access to affordable health insurance…

If you never go outside, you might think you don’t need health insurance. After all, you’re not going to get into a car accident or get hurt playing sports. However, there are still many ways you can get sick or injured, even if you stay home all the time. The Importance of Health Insurance Health…