Marketplace & Subsidies

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.

What Obamacare, the Affordable Care Act, does in 2026: pre-existing condition protections, subsidies, Medicaid expansion, enrollment dates and recent changes.

How short-term health insurance works, what it doesn’t cover, where it isn’t sold, federal duration rules, and better options to check first.

Under-reported your income for a marketplace plan? How tax credit repayment works now that the cap is gone, an example, and how to avoid a big…