Ryan Kennelly
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What is the Open Enrollment Period?
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How Do I Prepare For Open Enrollment for 2027?
If you don’t quite understand what open enrollment is or why it’s important, it is never too early to prepare for the annual window for selecting and switching your coverage. Here are some tips to ...
What Costs Count Toward my Out-of-pocket Maximum?
Your costs that contribute to your out-of-pocket maximum limit must include deductibles, coinsurance, copayments, or similar charges and any other expenditure required of an individual which is a q...
If I Sign Up for COBRA, Can I Switch to Individual Coverage in the Marketplace? What if I Enroll in a Marketplace Plan and Want to Switch Back to COBRA?
If you sign up for COBRA continuation coverage, you can switch to a Marketplace (on or off-exchange) plan during a Marketplace open enrollment period. You can also end your COBRA continuation cove...
How Do I Pay My Premium?
Most insurance companies allow you to make your initial payment with a credit card (Visa or Mastercard) or direct bank draft using your routing and account numbers from your checking account. Some ...
Can I Cancel my Marketplace Dental Coverage and Still Keep My Health Coverage?
It depends. If you have a separate, stand-alone dental plan, you can cancel any time during the year by contacting your plan directly, or by contacting the Marketplace call center. Important: ...
What is a Silver Plan?
Silver Plans are the marketplace standard plan. The second lowest cost Silver plan in a state is used as the benchmark plan when determining subsidies. Silver plans provide an average cost sharing ...
What Is a Multi-State Plan (MSP)?
A Multi-State Plan (MSP) was a type of ACA Marketplace plan offered under a contract with the U.S. Office of Personnel Management (OPM), the agency that runs the federal employee health program. Th...
What Happens if I Overestimate My Income?
If you received too small a subsidy because you overestimated your income, that amount will be added to your tax refund - if you’re receiving one - or it will reduce the amount of tax that you ow...
I Live in a State That Didn't Expand Medicaid, Can I Still Get a Subsidy?
While there are steep fines for knowingly lying on a government application for financial assistance, if someone merely miscalculates their income above the poverty level, and is later found to hav...