Mike Desnoyers
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Activity overview
Latest activity by Mike Desnoyers-
Mike Desnoyers created an article,
2023 ACA Carrier List by State
Independent Health Agent Contracting We’re here for you, not the big insurance companies. Independent Health Agents is a startup, full-service agency and web broker that started out in Chic...
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Mike Desnoyers created an article,
What Is Low Income in Illinois?
By K.A. Francis Updated: November 4, 2020 The working poor is a real group of people. Every day, millions of Americans go to work in the hopes of earning enough to support their families. But...
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Mike Desnoyers created an article,
Medical Programs in Illinois
The Illinois Department of Healthcare and Family Services (HFS) is committed to improving the health of Illinois' families by providing access to quality healthcare. This mission is accomplished t...
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Mike Desnoyers created an article,
Fact Sheet: The American Rescue Plan: Reduces Health Care Costs, Expands Access to Insurance Coverage and Addresses Health Care Disparities
March 12, 2021 The Biden-Harris Administration is reducing health care costs, expanding access to coverage, and ensuring nearly everyone who buys their own individual or family health insurance thr...
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Mike Desnoyers created an article,
American Rescue Plan and the Marketplace
Mar 12, 2021 The New Law President Biden signed the American Rescue Plan Act of 2021 (ARP) into law on March 11, 2021. ARP makes major improvements in access to and affordability of health cov...
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Mike Desnoyers created an article,
I got health insurance last year through a Marketplace plan and also received advanced premium tax credits to reduce my monthly premium. What happens if I don’t file my federal income tax return this spring? What if I file but don’t include Form 8962?
For any year when you received advanced premium tax credits, you are required to file a federal income tax return, including Form 8962. If you fail to do this — it is called “failure to reconcile”...
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Mike Desnoyers created an article,
If I’ve not filed taxes in a prior year, how will the Marketplace determine my income?
If an applicant did not file taxes in a prior year, income will be verified by the Marketplace through use of electronic wage data. If the information cannot be verified electronically, the applic...
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Mike Desnoyers created an article,
I’m a young adult, newly independent from my parents, and I have never filed my own federal income tax return before. Can I apply for premium tax credits this year? Will that pose any problems?
Yes, you can apply for premium tax credits this year. One challenge a young adult may face in their first year of financial independence from her parents can be verifying income. The Marketplac...
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Mike Desnoyers created an article,
Do I have to file a federal income tax return to get a premium tax credit? My income is so low I’m not required to file a tax return.
Yes. Even if you don’t earn enough to owe taxes, if you receive a premium tax credit in a year, you must file a federal income tax return for that year. If you don’t file a return for a year in w...
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Mike Desnoyers created an article,
My spouse and I qualify for a premium tax credit, but our doctors participate in different health plan networks so we want to sign up for two separate plans. Can we do that?
Yes. The Marketplace will allocate the monthly premium tax credit across the two plans. In most cases the Marketplace will allocate the monthly tax credit in proportion to the premiums for the two...