Category Archives: Individual

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 […]

Obamacare: Entrepreneurs and consultants get coverage, but not in Africa

I’m a young adult and recent graduate from college. Post graduation, I took a consultancy job in Africa until May of next year. I’m curious how consultants and entrepreneurs go about health insurance as it is certainly not offered by your line of work. Should I go the international insurance option? Or should I pay […]

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: COBRA on offer, can still go to exchange

I just lost my health insurance through my employer, who is now offering me COBRA.  Does this disqualify me for subsidies through the insurance marketplace? In Limbo Dear In Limbo, You will still qualify for subsidized health insurance from the exchange, while your COBRA offer is still on the table (i.e. for the 18 months).  […]

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 […]

Health Savings Account plans: not a bargain?

I’ve looked at Health Savings Account plans, and they seem to come with higher premiums than I would have expected.  Shouldn’t these plans be really cheap, since they have such a high deductible? Penny Watcher Dear Penny Watcher, The Health Savings Account should, in theory anyway, have lower premiums.  The HSA plan should definitely cost […]