Marketplace & Subsidies

You generally need a qualifying life event to enroll outside open enrollment, but Medicaid, CHIP and job-based coverage stay open year-round.

Medicaid work requirements, a higher out-of-pocket maximum, new HSA and Medicare drug limits, and insurers leaving the Marketplace: what changes in 2027.

For 2027 coverage, premium tax credits run from 100% to 400% of the poverty level, or $15,960 to $63,840 for one person, with no help above…

Health care sharing ministries aren’t insurance and don’t guarantee payment. How they work, what they won’t share, and how they compare with ACA plans.

Cigna and several other insurers are leaving the Marketplace for 2027. What happens to your coverage, your deadlines, and how to pick a new plan.

Yes, if your income ends up higher than you estimated. Starting with 2026 coverage there’s no cap on repayment. How it works and how to avoid…

How long health insurance takes to start after you apply: 2027 marketplace deadlines, special enrollment, job-based waiting periods, Medicaid and Medicare.

How ACA health insurance subsidies work in 2026 and 2027: premium tax credits, cost-sharing reductions, who qualifies, and what you might pay back.

Do you need proof of health insurance at tax time? What Forms 1095-A, 1095-B and 1095-C are for, when you must file Form 8962, and state…

Open enrollment dates for 2027 health coverage: HealthCare.gov runs Nov. 1, 2026 to Jan. 15, 2027. State deadlines, start dates and what to do now.