Category Archives: Health Reform/ Affordable Care Act

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 […]

Obamacare: married, but buying single coverage

I am 56 years old, married, and live in North Carolina.  Can I get my own health insurance or do I have to get health insurance with my husband?  Independent Wife Dear Independent Wife, Yes, you can get your health insurance separate from your husband.  There are many situations where this happens: one spouse is […]

Obamacare: Act now before open enrollment ends

I receive SS benefits due to disability in the amount of $28,800 a year. My wife does not work. Will we be eligible for a subsidy for her insurance? Dead Stick in Texas Dear Dead Stick, Yes, she will be able to get a subsidy for her health insurance as long as she does not […]

Obamacare: Canadian plan “counts” but not for long

We got married in 2012. My wife still has legal resident status in Canada which entitles her to free medical care. She just started a part time job where she does not earn a lot of money. I am making about $60,000 a year. We have many expenses and financial obligations. I cannot afford another […]

Obamacare: old plan ending, what to do now

I have health insurance already through the company I work for but I can’t afford the deductible. I have had some issues with the hospital telling me I need to pay $2,500.00 since I have a $2,000.00 deductible and can’t afford it. It seems my insurance don’t cover much of anything to be honest so […]

Obamacare: the gap between Medicaid and exchange

My family and I Iive in Indiana. My spouse is on SSI and gets a weekly Worker Comp check, both are non- taxable. Our 14 year old son and I were told we don’t qualify for anything in the Affordable Care Act . I was told to sign up for Healthy Indiana Plan (HIP) for […]

Affordable Care Act: Not all colonoscopies are “preventive”

I would like to see you do research and topic of colonoscopy on patients that have been diagnosed with ulcerative colitis previously.  Getting insurances to cover for these people is not good.  They have to pay their high deductibles,(mine is $2500)therefore really is not affordable for most. Insurances feel that colonoscopies are diagnostic not preventive […]

Health reform: household income for two, insurance coverage for one

My work offers health insurance only for me, not for my husband. Is it ok for my husband to get individual health insurance and put only his income? Michigan Employee Dear Michigan Employee, Your household income will include both yours and your husband’s income, because you are married. The household income and number of people […]

Obamacare: doctor’s office visits are covered

Does Obamacare pay for doctor’s office visits?  Two years away from Medicare Dear Two years away from Medicare, Yes, sort of.  Obamacare is the slang name for the whole health reform law and its implications.  So, technically, the answer is no, Obamacare does not directly pay for physician visits.  The law itself does require that […]