Category Archives: Health Reform/ Affordable Care Act

Affordable Care: waiting for employer plan to start

Employer offers to insure me after 6 months. Should I get insured now from the marketplace or wait to see what employer offers? Can I opt out of marketplace insurance if I sign up and employer offers something better?  Weighing My Options Dear Weighing My Options, First, you should avoid going without insurance for more […]

Affordable Care: parent on Medicare/Medicaid, son needs options

I am a 20 year old male in Missouri.  For Obama Care will I be exempt?  It states that a child can be on the parent’s plan until age 26, but my mother gets Medicare and Medicaid and I do not qualify for either of these programs.  I make about $8,000 a year and am […]

Affordable Care: Small biz owner, family of six

We’re a small business, just my husband and me, and have been on Dirigo since the beginning. We have four children at home: two 12-year olds, a 10-year-old, and an 8-year-old.  Dirigo allowed us to keep decent health insurance for our family and we are very grateful.  Now, from everything I’ve seen, we’re about to […]

Affordable Care: Husband undocumented immigrant, family are citizens

My husband is undocumented and our sole source of income.  Our children and I are citizens.  How does Obama care affect us?  International Family Dear International Family, Your husband, as an undocumented immigrant, is exempt from the requirement to be insured. The rest of you, as citizens, do face the “individual mandate.” You would qualify […]

Affordable Care: Options for self-employed/ part-timer

I am currently self-employed and work a small part time job.  My income is about $30,000 per year. I am covered as a domestic partner insurance and need to find insurance on my own.  How will Obamacare help me find affordable insurance? Squeaking By Dear Squeaking By, There is nothing in health reform that would […]

Obamacare: Comparing employer’s plan to other options

Can I buy my own insurance under ACA if I find better options than the plan offered by my employer? Savvy Shopper Dear Savvy Shopper, Yes, you can but you may or may not be able to get any government help buying your own plan. If your employer plan meets health reform standards and it […]