Ryan Kennelly
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My eligibility results say I’m also eligible for "cost-sharing reductions." What does that mean?
In addition to a premium credit, your income qualifies you to save on the out-of-pocket costs you pay whenever you get health care, like deductibles and copayments. But you get these additional sav...
What's the Difference Between On-Exchange and Off-Exchange?
Open Enrollment is here. And while buying health insurance has gotten easier over the last few years, some of the words and phrases you encounter can make the entire process confusing. I know I...
Does my plan cover infertility treatments?
When it comes to fertility treatments, that answer depends on where you live. There are 15 states that require health insurance providers to cover fertility treatments: Arkansas California Co...
Am I covered by my health insurance when traveling in Canada?
Your U.S. health insurance policy will most likely not cover you if you are traveling in Canada. The chance that you might need medical assistance while you are on vacation or on business travel t...
What Is the Difference Between Medicare and Medicaid?
Medicare is a federal health insurance program while Medicaid is a federal-state medical assistance program. What is Medicare? Medicare is an insurance program that provides medical care to peopl...
What is the penalty for not having health insurance in 2027?
There is no federal penalty for not having health insurance since 2019, however, certain states and jurisdictions have enacted their own health insurance mandates. The federal tax penalty for not ...
Tips on finding a Primary Care Physician
When you need to find a doctor, take the time to research your options. Follow the steps below to help find the doctor that meets your needs. Make a List of Potential Doctors Start with the netwo...
Do I need a referral from my PCP to get infertility treatment ?
If you have an HMO plan you do need to have a referral from your Primary Care Physician before going to an infertility specialist. If you do not have an HMO your plan most likely does not require a...
Multi-State Plans and Out-of-State College Coverage (No Longer Available)
Multi-State Plans are no longer available. The federal Multi-State Plan (MSP) program offered plans on the Health Insurance Marketplace only from 2014 through 2018, so there are no Multi-State Plan...
Who qualifies for a hardship exemption?
The following are circumstances that affect consumers' ability to purchase health insurance coverage and qualify them for a hardship exemption and exempt from the ACA penalty. 1. Becomes homeless 2...