We apologize, but we have not updated our site in several years, due to various factors. Please read any prior posts with the understanding that many things have changed in the Affordable Care Act since 2021, and things are still changing today. We are following along and will give updates after the redesign of the website, which is ongoing. However, for the present, you should verify any information in prior posts before acting. This site is strictly informational and is no substitute for professional advice.