Marketplace & Subsidies

Brokers and navigators both help you sign up for Marketplace coverage at no charge. How they differ, how to find one and how to spot broker…

Cost-sharing reductions cut deductibles and copays on silver Marketplace plans for incomes up to 250% of the poverty level. The 2027 income ranges and limits.

The Marketplace uses modified adjusted gross income for your whole tax household. What counts, what doesn’t, how to estimate it and how to lower it for…

Auto-renewal keeps you covered, but your 2027 plan, price and tax credit can still change. What happens if you do nothing, and what to check before…

Open enrollment for 2027 runs November 1 to January 15 on HealthCare.gov. Who can buy, which site to use, what to gather and each step through…

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.