Category Archives: Children

Kids away at college need new health plan

I have employer sponsored health insurance, family plan. The only plan offered is an HMO. I have two children ages 18 and 20 both residing outside of the state of Connecticut (where I live and work), full-time students at college. This health plan will not cover anything outside of the state of Connecticut unless it […]

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 […]

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 […]

Advice on health insurance options – go to a broker

I need some advice on health insurance. I am trying to find good health coverage, company and deductibles, copays and all I get is confused on understanding it.  I must find a good plan for two adults and one five year old. Seeker Dear Seeker, There are plenty of sources of information about your health […]

Obamacare: when to drop your child

When do I have to drop my child from my health plan at work? Cutting The Ties Dear Cutting The Ties, In most states and situations, your insurer will drop your child the month after he or she turns 26.  If your plan offers COBRA, then COBRA would be available.  Some states require insurers to allow […]

College requires more health insurance than Obamacare

My girlfriend’s university plan requires a $2,000 out of pocket maximum, and strict limits on how high the deductible can be. These limits are written for individual plans, but she can be covered on her family’s insurance through work. There’s no plan in the state her parents work in that satisfies the school’s requirements (even […]

Obamacare: missed open enrollment, what to do next

What options do uninsured people have at this point?  I gave up on dealing with the website and the waiting on hold forever at healthcare.gov.  So I did not end up with any plan at all.  What should I do? Halfway There Dear Halfway There, Your options depend upon where you live and how much […]

Obamacare: options for single parent in California

How do I find an affordable health plan as a single parent in California?  Dude and Dad Dear Dude and Dad, If you do not have an employer plan offered to you, your first stop is  Covered California™ | Affordable Health Insurance which is your state’s health insurance “exchange”.    There, you will answer basic […]

Obamacare: kid’s Social Security survivor benefits are not income

My sister in law has recently lost her husband. The three kids are receiving social security income until the age of 18, that would of been paid to their father. When we are calculating income for my sister in law for AHC do we include the kids’ social security benefits? They are all minors and […]