Mike Desnoyers
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Activity overview
Latest activity by Mike Desnoyers-
Mike Desnoyers created an article,
Federal Short Term Health Insurance Rules: 2027 Update
Updated October 2026 for 2027. This article previously described the April 2024 federal rule as current, enforced law. That is no longer accurate. The rule is still on the books, but the federal go...
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Mike Desnoyers created an article,
2027 ACA Carrier List by State
Independent Health Agent ContractingWe’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 Chicago, IL t...
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Mike Desnoyers created an article,
What Counts as Low Income in Illinois? Income Limits for Health Coverage in 2027
There is no single legal definition of "low income" in Illinois. Each program sets its own cutoff, and almost all of them for health coverage are tied to the federal poverty guidelines (often calle...
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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Rescue Plan: Reduces Health Care Costs, Expands Access to Insurance Coverage and Addresses Health Care Disparities (No Longer Current)
This article is no longer current. The enhanced premium tax credits created by the American Rescue Plan expired at the end of 2025.For up-to-date information, see Are Subsidies Going Away in 2027?....
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Mike Desnoyers created an article,
American Rescue Plan and the Marketplace
Note: This article describes the American Rescue Plan’s temporary tax credit increases from 2021. The enhanced premium tax credits expired at the end of 2025, and for 2027 coverage subsidies are li...
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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?
This answer has moved. It is now part of our complete guide, updated for 2027 coverage:Premium Tax Credits for 2027 Marketplace Plans: The Complete GuideThe guide covers who qualifies, the 2027 inc...
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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?
This answer has moved. It is now part of our complete guide, updated for 2027 coverage:Premium Tax Credits for 2027 Marketplace Plans: The Complete GuideThe guide covers who qualifies, the 2027 inc...
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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?
This answer has moved. It is now part of our complete guide, updated for 2027 coverage:Premium Tax Credits for 2027 Marketplace Plans: The Complete GuideThe guide covers who qualifies, the 2027 inc...
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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.
This answer has moved. It is now part of our complete guide, updated for 2027 coverage:Premium Tax Credits for 2027 Marketplace Plans: The Complete GuideThe guide covers who qualifies, the 2027 inc...