Ryan Kennelly
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When can I apply for short-term health insurance?
You can apply at any time. There is no fixed open enrollment period. With IHC short term plans, you can submit your application and, if approved, your insurance can be effective within as little a...
Is short-term health insurance “creditable coverage” under federal law?
short-term health quotes No, Short Term Medical coverage is not considered ACA compliant. This means you are still subject to the penalty if you do not have ACA compliant coverage for at least 10 ...
Is short-term health insurance Obamacare?
No. Short-term health insurance is a streamlined insurance plan. While it includes many benefits, it does not cover all 12 of the minimum essential benefits that the Affordable Care Act plans are ...
Can I deduct the miles that I put on my car from taxes?
People who drive for work have the option of deducting the cost of their car expenses (such as gas, maintenance, car payments, and a few others), or deducting a standard amount for every business ...
I'm getting married but neither of us have health insurance. Do we qualify for an SEP after we get married?
As of June 19, 2017, to qualify for an SEP due to a marriage, at least one spouse must have: Had qualifying coverage OR Lived in a foreign country or in a U.S. territory for one or more days durin...
Can I get a short term plan that lasts longer than 90 days?
The answer in 2020 is yes, states offering short-term plans will be offering longer short-term durations. The new mandate will make it so that short-term health insurance plans will last up to ...
I've read that the IRS has no recourse for collecting from those who refuse to pay the Obamacare penalty. Has anyone tested this out?
Under the Obama administration, if you owed a tax “penalty” it was simply deducted from your refund, assuming you were owed a refund. If your refund was not enough to cover the penalty, you would b...
Questions about your household's eligibility for Medicaid and CHIP
If you applied for Medicaid or the Children’s Health Insurance Program (CHIP), and your state said you weren’t eligible, you should complete a Marketplace application for private insurance. Most p...
If I enroll with one PCP, can i change my designated PCP (either before year end or in 2019) if i discover another PCP that may be a better fit for me?
Yes, you can change your PCP once a month if you wish. If you do not select a PCP on the application, you can pick one later before January 1st. If you don't choose a PCP before January 1st, one wi...
Who should I include in my household to determine subsidy?
For the Health Insurance Marketplace, a household usually includes the tax filer, their spouse if they have one, and their tax dependents. Tax filer + spouse + tax dependents = household Follow th...