Category Archives: Children

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 […]

Obamacare: missed open enrollment, what to do next

What options do uninsured people have at this point?  I gave up on dealing with the website and the waiting on hold forever at healthcare.gov.  So I did not end up with any plan at all.  What should I do? Halfway There Dear Halfway There, Your options depend upon where you live and how much […]

Obamacare: options for single parent in California

How do I find an affordable health plan as a single parent in California?  Dude and Dad Dear Dude and Dad, If you do not have an employer plan offered to you, your first stop is  Covered California™ | Affordable Health Insurance which is your state’s health insurance “exchange”.    There, you will answer basic […]

Obamacare: kid’s Social Security survivor benefits are not income

My sister in law has recently lost her husband. The three kids are receiving social security income until the age of 18, that would of been paid to their father. When we are calculating income for my sister in law for AHC do we include the kids’ social security benefits? They are all minors and […]

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 […]

Health insurance subsidies: how to count people for income, benefit plan

I am currently working and my family health insurance is covered through my employer (large over 5000 workers).  I am considering retiring this next year.  I am eligible for Medicare but my wife is not, nor is our 13 year old adopted daughter.  My question is this:  When using the cost estimators they want to […]

Have Medicaid and private plan — who pays what

When a child has health insurance (from Dad’s work) and also Medicaid, which one pays for what?  Last month, my daughter’s dad showed up with an ID card for her.  She still has Medicaid.  What do I do?  Double Insured Daughter Dear Double Insured Daughter,  You only need to give both ID cards to the […]

Obamacare: coverage for prenatal and maternity care

How has Obamacare changed prenatal and maternity insurance options? Family Planner Dear Family Planner, Under the reform laws, all health plans must cover prenatal and maternity services.  This will not be a change for the vast majority employer-based group plans, since these had to be covered as any other illness under previous non-discrimination laws.  (A […]