Category Archives: Individual

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 […]

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 […]

Employer cannot buy exchange plan for workers

Is it legal for an employer to buy health insurance for one employee and not for everyone else?  I think the company owner is doing this for the star salesperson.  The rest of us get nothing. Miffed Dear Miffed, There are federal rules that require an employer to treat all employees who are similar (i.e. […]

Medicare covers wheelchairs; you pay 20%

What is it like to have Medicare as your primary insurance, in particular for durable medical equipment, such as prostheses or wheelchairs? Shifting Forward Dear Shifting Forward, Medicare Part B does cover durable medical equipment, including prostheses and wheelchairs.  See Medicare.gov’s list.  “Part B” is Medicare’s coverage for physician services and other out-of-hospital items.  It […]