Stride Health - Health Insurance FAQs

Unlike government sites, though, Stride also gives workers access to a customizable shopping tool that shows them the best insurance plans for their specific needs and helps them narrow their options with simple-to-use filters and side-by-side comparisons.

They’ll also have access to Stride’s licensed agents, who can help them get covered and make the most of their plan.

How much do plans typically cost?

Prices vary based on a number of factors, including your plan’s coverage level (Bronze, Silver, Gold), your income, and how many dependents you want to apply for.

Note: for more information, contact Stride.

What do these health insurance plans cover?

Every health plan on Stride is considered a major medical insurance plan. That means every plan covers all the minimum essential benefit standards of the Affordable Care Act.

In other words, these plans partially or fully cover the cost of hospital stays, prescription drugs, preventative care, and emergency care (to what extent depends on the plan).

No plan can deny coverage for pre-existing conditions, and there are no lifetime maximum limitations for patients.

Is dental or vision coverage included?

Most health insurance plans do not include adult dental or vision coverage.

If you need a dental or vision plan, Stride offers custom dental and vision plans that can be added on separately.

How do I know if I qualify for a government program or tax credits?

To determine your tax credit, the government looks at several factors:

Income: Your estimated annual income largely determines the tax credit type(s) and amount you’ll receive. It’s very important to calculate this number correctly for maximum savings, so be sure to follow Stride’s income estimator guide.
Family size: The government considers how many people will be on your plan, because adding people to your coverage can significantly increase your monthly premiums.
Filing status: If you’re married, you’ll typically have to file your taxes jointly to qualify for a tax credit-eligible health plan. Couples who file separately are generally not eligible. This is because the government allocates tax credits on a household level and reconciles those amounts at tax time. When you file separately, it’s too difficult to confirm you received an accurate tax credit amount.
Citizenship status: You do not have to be a U.S. citizen to qualify for tax credits. Immigrants with green cards, employees or students with visas, and refugees can all apply. Get the full list of eligible immigration statuses here.
Location: How much you pay for health insurance depends on where you live. Because the cost of living, local legislation, and number of insurance providers vary from state to state, so will your tax credit estimate.

What impact do the reported tax credit savings have on my taxes?

For many people, there’s a good chance you won’t perfectly estimate your annual income on your application. But don’t worry—you can sort this out at tax time.

Note: We recommend you contact Stride for implications on your tax credits.

How does this compare to Medicaid? What if I’d like to apply for Medicaid instead?

If you’re enrolled in Medicaid, consider keeping your existing coverage, as you’ll save the most money on health care through Medicaid.

If you’re not currently on Medicaid, the See how much I can save button (you can access it by following the steps below under "See quotes" section below) can tell you if you’re eligible and provide you with the correct state health exchange information where you can apply and enroll in coverage.

How can I estimate my income?

When applying for health insurance through Stride’s website, you’ll be asked to estimate your income. This is used to calculate your premium tax credit eligibility.

If you overestimate your income, your premium tax credit will be smaller than the amount you qualify for. But don't worry, you can get this money back as a tax refund at the end of the year.

If you underestimate your income, you might have to pay the government back for part of your premium tax credit when you file taxes.

Need More Help?

For support

For more questions and info, please contact Homebase Customer Support.

If you're ready to enroll, contact Stride at (415)-930-9110.

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