Daughter can have Medicaid and employer plan

I am an employee enrolling in a High Deductible Health Plan (for the first time) for 2015 and my 11-year-old dependent daughter has Medicaid. Will she still be a covered dependent under the HDHP as well? Julie in Pennsylvania Dear Julie, Your daughter is allowed to have both private health insurance and Medicaid at the […]

Obamacare: subsidies based upon household income

Does household composition — or number of insureds — reduce the premium amounts of the adults in the household in Obamacare? Skeptic Dear Skeptic, It’s a bit of both. First, let’s straighten out a few concepts and terms.  Premiums are the amount that the insurer charges for the plan.  This may be different from what […]

ACA — good for moms and families? It depends

Is the Affordable Care Act good for moms and families? Bottom Line Gal Dear Bottom Line Gal, It depends upon a lot of factors, whether the ACA is good for a particular mother and her children.  And it depends upon what you mean by “good”. A mother whose job does not offer health insurance would […]

Company cannot buy workers exchange plans with pre-tax dollars

Why does the IRS not want businesses to subsidize their employees’ individual health plans with pre-tax earnings?  This seems to not make sense, as it is completely fine for an individual to deduct premiums from their earnings, as long as it’s for an individual plan. So:I buy my own insurance using money that I will […]

Employer cannot buy exchange plan for workers

Is it legal for an employer to buy health insurance for one employee and not for everyone else?  I think the company owner is doing this for the star salesperson.  The rest of us get nothing. Miffed Dear Miffed, There are federal rules that require an employer to treat all employees who are similar (i.e. […]