Category Archives: Children

Affordable Care Act: comparing plan benefits for pregnancy

Which ACA plan is the most cost effective for the average pregnancy in 2015 for a 28-year-old?  Assuming the pregnancy cost was $30,000.  Between insurance premium and possible HSA savings, which plans should we choose to spend the least amount of money? Mama Shopper Dear Mama Shopper, If you are comparing plans offered on your […]

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 […]