Health Insurance

One Big Beautiful Bill Act brings sweeping changes to health coverage

In this article What is the OBBBA? Medicaid applications and renewal will get more complex Planned Parenthood no longer eligible for Medicaid reimbursements Low-income immigrants will lose subsidy eligibility Subsidy recipients face full repayment of excess APTC More Marketplace plans can be used with health savings accounts (HSAs) Why does HSA access matter? The One […]

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New federal rule brings immediate changes to Marketplace enrollment

In this article What is the federal rule and when does it take effect? The first wave of changes – effective August 25, 2025 4 changes effective for enrollment in 2026 health plans Changes effective for enrollment in 2027 health plans Why are some of the rule’s changes temporary? A federal rule published in June

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Budget bill provisions could make ICHRAs more appealing to businesses

In this article What are ICHRAs? New tax credit for small businesses that offer CHOICE Arrangement More widely available pre-tax premium contributions for employees Employers would be able to offer a choice between CHOICE or a traditional small-group plan The future of CHOICE Arrangements The budget reconciliation bill that passed in the U.S. House of

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ICHRA vs QSEHRA: Which is right for your small business?

If you’re a small-business owner and you’d like to reimburse your employees, pre-tax, for the cost of health insurance that they buy on their own, you have two options: An ICHRA (Individual Coverage Health Reimbursement Arrangement) or a QSEHRA (Qualified Small Employer Health Reimbursement Arrangement).1 As long as you have fewer than 50 full-time equivalent

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9 mental health insurance questions consumers should ask

In this article How is mental health treatment covered by health insurance? How did the Affordable Care Act expand coverage of mental health care? Do ACA mental health coverage requirements apply to all health insurance? Does mental health parity mean health plans must cover mental health? Does most health insurance cover therapy and medication? Do

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The most likely targets for Medicaid cuts

In this article Why we think Medicaid cuts are likely What Medicaid cuts are being considered? Medicaid work requirements Remove the current floor on the federal Medicaid matching rate Reduce the federal matching rate for Medicaid expansion Implement per-enrollee caps on federal funding Rescind some Biden administration rules Medicaid cuts would result in reduced benefits

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Medicaid for children: 6 facts every parent should know

In this article Your kids might be eligible for Medicaid even if you’re not. Your children can enroll in Medicaid at any time. Medicaid might help pay for employer-sponsored coverage for your children. A child’s disability may make them eligible for Medicaid. In most states, you’ll need to renew your kids’ coverage each year. If

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Can a new President make health policy changes on ‘Day One?’

In this article How can a President start making changes on ‘Day One?’ How quickly can a President make policy changes through federal rulemaking? What types of policy changes are possible via rulemaking? Is it possible to overturn a predecessor’s rule quickly? How can one-party control of the White House and Congress speed policy changes?

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Four reasons to not wait until January to enroll in an ACA health plan

Reasons to enroll in an ACA health plan by December 15? Delaying your enrollment might mean no coverage in January Delayed enrollment might mean missing out on free money If you’re auto-renewing your 2024 plan, you could be surprised on January 1 January out-of-pocket expenses won’t transfer to a plan that starts in February Open

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