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Frequently-asked questions about health insurance
Our insurance experts answer the questions our readers ask most.
ACA plan benefits
- Is pediatric dental coverage included in exchange plans?
- Do ACA-compliant health insurance plans cover abortion?
- Do health insurance policies cover maternity?
- How is vision care covered under the Affordable Care Act?
- How is autism covered under the Affordable Care Act?
- Are visits to the chiropractor or physical therapist covered under the Affordable Care Act?
- Does the ACA require infertility treatment to be covered by health insurance?
- Pediatric dental is one of the essential health benefits on new plans. Does that mean that my insurance will cover braces for my son?
- Is it true that Obamacare’s preventive-care mandates only help women?
- I’ve heard that Obamacare will help women who want to breastfeed buy a breast pump. Others say the law will only help you rent a pump. Who is right?
- Are dental benefits included in the health insurance exchange plans?
- What is a ‘new’ health plan? I’ve heard that only ‘new plans’ will cover preventive care without co-pays.
- I earn too much to qualify for a subsidy. Why should I buy through an exchange?
- What type of health insurance exchange does my state have?
- What is the ACA’s catastrophic plan and who is eligible?
- Are child-only policies available through the exchanges?
- Which health insurance exchange plan is best for me?
- Do Gold exchange plans offer more generous coverage than Bronze or Silver plans?
- How is a federal-state partnership different from a federal or state exchange?
- What are SHOP exchanges?
- If all Silver plans cover the same benefits and percentage of costs, why do premiums vary by carrier?
- What are Consumer Operated and Oriented Plans (CO-OPs)? How are they different from plans in the health insurance exchanges?
- My health insurance options from my employer are on an exchange. Is this part of Obamacare?
- We live in China right now but we don’t have health insurance for the times we come back to the states. What kind of insurance can we get?
- When I compare health insurance plans in the exchange for our family, they all show total family deductibles. Does that mean we’d have to meet that full deductible even for just one person?
- With state health insurance exchanges in place, will I still be able to use a broker or get some personal help in choosing a plan?
- Will I be able to see next year’s health insurance rates on exchange sites before open enrollment?
- What are some signs that you are being drawn into a health insurance scam?
- Should I keep my grandmothered individual health policy or switch to an ACA-compliant plan?
- Who should consider a high-deductible health insurance plan?
- I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true?
- My doctor posted a sign saying she ‘doesn’t take Obamacare.’ What should I do?
- I’ve heard that Obamacare included a tax on real estate transactions. When I sell my house, will I get stuck with a big tax bill to pay for everyone else’s healthcare?
- I’ve heard the federal government pays for the Medicaid expansion but only for a few years. Then the state is on the hook for costs?
- To what extent is Obamacare actually a ‘job killer?’
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