Affordable Care Act


How Does the Texas Ruling Impact ACA Health Insurance Right Now?

No stranger to a challenge, the Affordable Care Act (ACA) faced another blow when Texas federal court judge Reed O’Connor last month ruled it unconstitutional in light of Congress’ elimination of the individual mandate tax penalty. Judge O’Connor’s decision, which came the day before 2019 open enrollment ended, seemed poised to create confusion among consumers […] Read more

Improved Diagnosis for the 2019 Health Insurance Market

For many Americans, the news that 2019 may be a year of health insurance market stabilization comes as welcome relief. In contrast to the tumult of the past several years with skyrocketing premium increases, mandatory tax penalties for not purchasing Affordable Care Act (ACA)-compliant health insurance, tightened restrictions on non-ACA compliant insurance products, and a […] Read more

The Penalty for Not Having Health Insurance Ends October 2 (Not for Everyone – Just Most People)

Officially, the Obama-era penalty for not having health insurance ends on December 31, 2018. The penalty is 2.5% of your household taxable income. For someone with $100,000 of taxable income, that would equal $2,500. But under the Affordable Care Act, an individual can go three months without having coverage and not pay the penalty. That […] Read more

Why the Middle Class is Becoming EXEMPT From the ACA Mandate—and the Silver Lining for Millions of Americans

The Affordable Care Act (ACA) is officially “unaffordable” for millions of middle-class Americans. And it is unaffordable as defined by the rules of the law itself. More and more middle class Americans are becoming EXEMPT from the ACA individual mandate and its penalties. The silver lining for them is that they now will have more […] Read more

Lost Your Obamacare Subsidy? Consider Affordable Alternative Insurance Options

The U.S. economy posted a 3% growth rate for the third quarter of 2017, marking the first time in three years that the economy grew 3% or more in back-to-back quarters, according to the Commerce Department. Economists had expected an economic slowdown, accounting for significant property damage and job losses resulting from Hurricanes Harvey, Irma […] Read more

Think You Can’t Afford Health Insurance? It’s Time to Think Again…

There’s never been a time in the United States where health care costs have been higher. According to the Centers for Medicare & Medicaid Services (CMS), in 2015, spending on medical costs accounted for $3.2 trillion – about 17.8 percent – of the country’s economy. And health care industry experts anticipate that this trend will […] Read more

Father and daughter holding hands

Short Term Health Insurance Is a Great Solution During These Uncertain Times

After six years of the complex Affordable Care Act (ACA, also called Obamacare) being rolled out in pieces and parts, the Republicans, who now control Congress and hold the Presidency, have their first real opportunity to make significant changes in the law. During this time, many people are wondering what to do: Should they enroll […] Read more

What Is the Penalty for Not Having a Health Insurance Plan?

Editors Note: Effective October 2, 2018, the federal penalty for not having an ACA-mandated health insurance plan was eliminated beginning in 2019. In addition, the administration rolled back coverage duration limitations, allowing individuals to purchase short term health insurance plans for up to 364-days of coverage. However, coverage duration periods can be limited to shorter […] Read more

Short Term Health Insurance and the Affordable Care Act

It’s no secret that the world of health insurance can be complex and confusing. After all, its landscape is constantly shifting and reforming in response to changes in law and policy. Here at Pivot Health, we’re dedicated to empowering coverage seekers across the country by providing them with simple and honest answers to all of […] Read more

Why Buy Short Term Health Insurance?

Short term health insurance is a health insurance alternative that fits specific needs of individuals and families who either aren’t quite ready to buy an Obamacare plan or have an immediate need for health insurance coverage in the short term. Just like individual health insurance, short term medical insurance covers doctor visits, hospitalizations, emergency care, […] Read more


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