Obamacare 2027: what's at stake right now
The enhanced subsidies have already expired. The House passed an extension the Senate hasn't voted on, and the enrollment calendar is in the courts. What it means for what you'll pay.
Practical guideHow to enroll in Obamacare step by step
The 2027 dates, what to have on hand before you start and the exact order of the steps. Georgia opens browsing on October 19; Florida on November 1.
RenewalHow to renew your health plan (and why leaving it on autopilot is a bad idea)
It renews itself, and that's the problem: they recalculate your subsidy with last year's data. What to check before December 15.
UninsuredWhat happens if I don't enroll in Obamacare?
There's been no federal penalty since 2019. But the penalty was never the problem: what's expensive is the uncapped bill and the whole year of waiting.
Changes in JanuaryObamacare eligibility requirements for 2027
Buying a plan and getting help paying for it are different things. And on January 1, 2027 several immigration statuses stop receiving help: refugee status, asylum and TPS among them.
CostsHow much does Obamacare cost? The real math, no runaround
It doesn't have a price, it has a formula. You don't pay the plan's price, you pay a percentage of your income. With the 2027 income table and the 400% cutoff.
Important5 changes in the new law that affect your health insurance
The enhanced subsidies expired and the enrollment calendar is being fought over in court. Exactly what changed, when, and what to do before November.
PracticalI enrolled — now what?
Enrolling is half the road. Paying the first premium, activating your card, choosing a primary care doctor and getting into the portal — starting with the step that leaves people uninsured without realizing it.
PracticalHow to read your doctor's bill without having a heart attack
Deductible, copay and coinsurance explained with real numbers. And why the first paper that arrives is almost never a bill.
ImportantMy insurer denied a service — now what?
A denial is not the last word. You have 180 days to appeal and the right to an independent reviewer's decision — and that decision is binding.
PracticalCan you enroll outside the deadline?
Open enrollment isn't the only door. These are the cases that open one for you.
ImportantHow to calculate your income for the Marketplace
It's the number most people get wrong, and as of this year getting it wrong costs far more.
PracticalHMO, PPO or EPO: which one suits you
Three letters that decide whether your longtime doctor is in or out.
PracticalWhat documents you need to enroll
Have these ready and enrollment gets done in a single sitting.
State guides
GeorgiaHealth insurance in Georgia
Georgia no longer uses HealthCare.gov: it has its own marketplace, Georgia Access. How to enroll, which carriers are available, and how much premiums rise for 2027.
FloridaHealth insurance in Florida
The state with the most enrollees in the country: 4.5 million. Over 95% get help and a third pay less than $10 a month. How to take advantage of it.