Category Archives: Employer-sponsored plans

Obamacare and wellness programs

Would anyone — insurers, employers, government — be interested in software that calculates monetary reimbursement based upon patients meeting certain health goals?   Safeway very publicly (2005) started reimbursing employees’ premiums based on health indicators. They encouraged healthier habits and exercise. Would other, perhaps smaller, companies or organizations be interested in this same model, made cheaper […]

Flexible Spending Account: takes some planning

Is there any reason to set up a medical flexible spending account if I’m not perfectly sure of my expenses for the year and I don’t expect any major life/work event? Steady Dear Steady, You do not need to be perfectly sure about your expenses to set up an Flexible Spending Account (FSA).  You could, […]

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 […]

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 […]