Category Archives: Uninsured

U.S. spends more on healthcare, no easy answer why

How is the U.S. spending so much money on healthcare when people pay for their medical bills with health insurance? Home Economist Dear Home Economist, If your question is about why the U.S. (federal) government spends so much money, then the answer is four-fold: 1) Medicare 2) Medicaid 3) Federal government employees 4) Military members and families Altogether, the federal […]

Obamacare: no reasonable way to estimate saved or lost lives

Has anyone estimated the lives saved or lost under the Affordable Care Act relative to the healthcare situation before it was passed? Lives could be saved due to the increased number of Americans covered, the increased quality of the plans, or coverage for Americans with pre-existing conditions. Lives could be lost due to negative changes […]

Employer missed health insurance payments – what to do

I just found out that my employer has not been paying for my health insurance for the past seven months.  Should I try to get the $1,400 they “saved” or just be glad that they put me back on the plan? Unpleasantly Surprised Dear Unpleasantly Surprised, If you think this was a simple clerical error, […]

College requires more health insurance than Obamacare

My girlfriend’s university plan requires a $2,000 out of pocket maximum, and strict limits on how high the deductible can be. These limits are written for individual plans, but she can be covered on her family’s insurance through work. There’s no plan in the state her parents work in that satisfies the school’s requirements (even […]

Affordable Care Act: when the individual mandate does not apply

I lost my job in January, got evicted from my apartment in February, and have been couch surfing ever since. With all of that going on, I have paid no attention to my health insurance. I couldn’t have afforded anything anyway. I’m hoping to get a job with benefits soon, but who knows how long […]