Ryan Kennelly
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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: Do...
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 (MSP) Plan?
If you live in a state that offers multi-state health plans, anyone with access to the Health Insurance Marketplace can get one. They are not only for Federal Employees.In 2026 there are multi-sta...
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 in 2019, and is later foun...
Can I Use My Health Insurance Plan Outside of My State?
The Short Answer: All plans cover emergency services at any hospital in the United States, regardless of what state plan was purchased from, with the exception of Hawaii. As long an emergency is co...
Will My Premium Ever Change?
Unfortunately, yes. When you purchase health insurance, your premium price is locked in for the current year but may increase on your birthday by the price of being 1 year old than at the time of ...
What Counts As Minimum Essential Coverage (MEC)?
Minimum essential coverage includes the following: Employer-sponsored coverage, including self-insured plans, COBRA coverage and retiree coverage Coverage purchased in the individual market, inclu...