Category Archives: Spouse

Affordable Care Act: when to go to the exchange, after divorce

If current medical coverage is provided as part of spouses retirement package until November of 2014 and a divorce is granted in October, when will I need to apply for marketplace insurance for myself?  I’m three years away from getting Medicare. Hoosier Stater Dear Hoosier Stater, You should look at your options now for a […]

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 […]

Health coverage different for employee than for dependent

Is anyone else aware that the benefits of a health plan can be different for the enrolled employee versus the dependent?  How is this even legal in any state?  And disclosure is not required either.  This was a work-related injury. Fuming and Hurt Dear Fuming and Hurt, I  think what you have found is that […]

Obamacare: did not change Medigap plans

I have a friend whose husband is dying.  He is getting a lot of medical care, including stuff that Medicare does not cover.  It’s costing them a lot of money.  They are both in their 70′s, retired to New Mexico, and never bought a Medicare supplemental plan.  Can they buy one now?  And would his […]

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 […]

Obamacare: domestic partner can go to exchange, but no subsidies

  I’m 51, live in Nevada, and am currently covered through my partners insurance under the domestic partner benefits. The cost for covering me is very expensive. Since we are not married am I still able to secure Obamacare for myself even if I am able to receive domestic partner benefits through my partner? I […]