Category Archives: Elders

Health plan for non-citizens available “off exchange”

Interested in understanding if non US citizens (above 60 years old) can buy health insurance in the US; if so, what are the options & where to find these plans. Foreigner Dear Foreigner, You can buy insurance directly from a carrier, as a non-citizen.  You cannot go to the insurance exchange, since that is available […]

Affrordable Care Act: Medicare Part D donut hole disappearing

Why is there a doughnut hole in Medicare’s drug coverage? Puzzled Dear Puzzled, The doughnut hole design allows the program to manage its outlay for high-cost/ high-need members.  After the member has reached the doughnut hole, he or she is “back on the hook” for some of the drug costs.  Thus, the member has a […]

Affordable Care Act: when to go to the exchange, after divorce

If current medical coverage is provided as part of spouses retirement package until November of 2014 and a divorce is granted in October, when will I need to apply for marketplace insurance for myself?  I’m three years away from getting Medicare. Hoosier Stater Dear Hoosier Stater, You should look at your options now for a […]

Obamacare: husband turns 65, leaving wife on exchange plan

My husband and I are currently purchasing a plan through the Individual Marketplace. My husband turns 65 next month, and I turn 61 next month. Will I be able to keep our current plan with subsidies while my husband enrolls in Medicare? What are our options? Sofia in California Dear Sofia, When your husband enrolls […]

Affordable Care Act: after retirement, when to go to the exchange

I am a 63 year old female and live in Indiana.  If my husband retires from employment on August 1,2014 and employer health Insurance is given for 18 weeks, when will I be able to apply to the marketplace for insurance for coverage?  Would I apply for December 1,2014 for myself only? He has VA […]

Obamacare: subsidies offered under 400% of Federal Poverty

In order to qualify for any subsidies, what is the maximum adjustable income amount for 64 year old divorced woman? Indiana Gal Dear Indiana Gal, You would qualify for subsidies from the exchange if your Modified Adjusted Gross Income is less than 400% of Federal Poverty.  For a household of one person, that would be […]

Obamacare: options for 75-year-old not on Medicare

What are health insurance options for a 75-year-old woman who is not currently eligible for Medicare? Still Spry Dear Still Spry, Your options depend in part on your income and where you live.  If your income from Social Security and other retirement sources is more than $15,282 a year, then you can qualify for government […]