Tag Archives: uninsured

Obamacare: have to sign up for plan before coverage starts

When doctors provide free health care to patients who cannot afford to pay and do not have insurance, should the healthcare provider require that the patient sign up for ACA insurance (or Medicare/Medicaid) within X days in lieu of a bill? Inquisitive in Indiana Dear Inquisitive in Indiana, Almost no health insurer will sell a […]

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 […]

Obamacare: it’s still legal to have no health insurance

When will it be illegal to have no health insurance?  Legal Beagle Dear Legal Beagle, Never.  It will always be legal to go uninsured, but starting January 1, 2014, some people who go without health insurance will have to pay a tax penalty. In order to be hit with the penalty, you must Be a […]

Coverage for mentally ill 21-year-old

My stepson is 21 years old.  He is unemployed and has schizoid-affective disorder.  His mother told him that his father (my husband) is required to put him on health insurance or pay the penalty.  I told him that we can put him on our insurance because he is under 26 but it would be wiser […]

Obamacare: not all plans meet the standards, may be cheaper

Suppose my wife and I are both 40 years old and in good health. We want to buy a catastrophic health insurance plan, and we are willing to pay the penalty for not following the ObamaCare individual mandate. Is there a plan available? Wants Reasonable Insurance Dear Wants Reasonable Insurance,  Whether a “non-qualified” health plan […]

Obamacare: when you can drop your plan

What month can I drop health insurance? Going Bare Dear Going Bare,    There are lots of reasons that dropping your health plan at any time is unwise.  But to answer your question: You can go for up to three months without health insurance, and still not have to pay the penalty/ tax.  You drop […]

Affordable Care Act: how to find a health plan

“I need to find health insurance. Currently, I am not covered. I’m working with a contractor and their insurance is expensive. Can you suggest what I need to do now?” Working but Uninsured   Dear Working but Uninsured,  If you are not offered an employer-based plan and you earn less than 400% of Federal Poverty […]