Ryan Kennelly
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What are the 2019 Out-of-pocket Maximum Limits?
The Affordable Care Act requires non-grandfathered groups and individual plans to establish limits on member cost sharing for essential health benefits. These out-of-pocket maximum (OOPM) limits ar...
What Documents Do I Need to Show Proof I Moved During A Special Enrollment Period?
You need to send three forms of documentation: proof of where you lived before, where you live now, and proof that you had coverage before your move (within the last 60 days). You must send documen...
I Am Due For a Colonoscopy. Is it Covered?
For a colonoscopy, the preventative care coverage under the Affordable Care Act means that the doctor is covered. What about the exam center? Is it covered? What about any anesthesia and anesthes...
How Do Pre-Tax and After-Tax Contributions Affect My Subsidy?
Before-tax and tax deductible contributions (like to a traditional IRA) lower MAGI and increase subsidies. After-tax contributions lower MAGI on withdrawal (like the Roth IRA). HSA’s are tax free i...
What is Modified Adjusted Gross Income (MAGI)?
Modified Adjusted Gross Income (MAGI) is used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children's Health In...
What does Cost Sharing Reduction (CSR) Mean?
Cost Sharing Reduction is a discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance Marketplace, cost-sharing reductions are often call...
What is a Health Savings Account?
A health savings account is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP).The funds contributed to th...
What’s the 2026 Deadline for Open Enrollment? Can I Enroll Outside the Enrollment Period?
The new "Special" Open Enrollment period for ACA health insurance in 2026 run through January 15, 2026. If you miss the open enrollment period, the annual open enrollment period begins November 1st...
Does Your Website Offer the Cheapest Prices?
Yes, we offer the cheapest (and only) prices.Health insurance prices are regulated by your state’s Department of Insurance, and the price that you pay will be exactly the same no matter where you b...
Can I Change My Plan After My Application is Submitted?
Yes, during open enrollment you can change your plan after submission as long as it is during the open enrollment period from November 1st - January 31st. The last day to change your plan for a Jan...