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Debunking The 6 Myths About Obamacare Health Coverage



While Obama and Democrats strive to reassure supporters and a skeptical nation that the problematic Obamacare website can be fixed and the changes will work, Republican opponents embrace every opportunity to criticize the 2010 Affordable Care Act as big government gone wild.

Not surprisingly, such partisan squabbling has resulted in persistent falsehoods about Obamacare health coverage that foster misunderstanding, if not open misinformation, about the reforms. In other circumstances, both parties attempt to capitalize on newer difficulties as soon as possible.

I must enroll in health insurance through the federal marketplace.

The marketplace serves those who do not have access to health insurance through their job or a government program like Medicare, Medicaid, or the Children’s Health Insurance Program.

Although the ACA requires all Americans to have a qualified health plan, millions have gone without. Just be aware that you may be subject to a tax penalty if you do not enroll in a health plan.

There are various exceptions for certain groups of people. Some people choose not to get insurance because it is more expensive to pay for a health plan than to pay the tax penalty for not having insurance.

If I have Obamacare, I will have to wait longer to visit my doctor.

When the health care exchange first launched, many individuals were concerned that Obamacare health coverage users would face the same service delays as Medicaid and Medicare recipients. However, evidence suggests otherwise.

According to the survey, 58% of persons with Medicaid or marketplace coverage who looked for a new primary care physician found it easy or relatively easy to find one. More than half of those surveyed waited less than two weeks. 

Approximately 41% of those polled required the services of a specialist. 60% of those contacted received an appointment within two weeks.

Obamacare hasn’t significantly altered the healthcare sector.

Since the adoption of the Affordable Care Act in 2013, the percentage of uninsured Americans has decreased from 16.6% to 10.5%. According to a report released in September by the Centers for Disease Control and Prevention, the United States is now witnessing its most significant rate of insured persons in history. By February 2016, 12.7 million Americans have obtained health insurance through the marketplace.

I will have to pay a cost if I lose my insurance.

Some consumers will suffer tax penalties if they do not enroll in a qualifying health plan within a given year. This is true even if you quit or are fired. If you cannot purchase insurance and will be uninsured for a period, you may be eligible for a short-gap exemption and avoid the tax penalty.

You can be uninsured for no more than two months in a row to qualify. If you do not qualify for any exemptions, you will face a tax penalty for each month you are uninsured.

I have to agree to a house inspection if I sign up for Obamacare.

This myth started in August 2013 after a widely shared blog post stated that the healthcare reform would allow for forced home inspections. There are no mandatory home inspections and no home inspections at all.

That blogger misunderstood the Obamacare health coverage-created Maternal, Infant, and Early Childhood Home Visiting Program (MIECHV).

If I like my strategy, I will stick to it no matter what.

You can keep your plan if it meets ACA requirements or was grandfathered in. However, nothing in the ACA guarantees that you will be able to keep your plan regardless of what happens. Your company could change plans, or you could lose or change jobs and lose your current plan, as has always been the case.

Some insurance plans did not meet the minimum requirements of a Qualified Health Plan when Obamacare health coverage went into force. Eventually, those plans were phased out and replaced with ACA-compliant insurance.


Going without Obamacare health coverage might be a costly mistake. When choosing between an ACA and a short-term medical plan, the savings can be significant in the short term. Still, it’s critical to analyze your alternatives and choose a plan that best matches your financial lifestyle.

Read More: A Complete Guide For Freelancers To Buying Health Insurance

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