Category Archives: Individual

Obamacare: on the edge between private plan and Medicaid

I live in California, am single, and have no children.  I can only find part-time work, and make about $13,000 a year.  Someone told me that if I could get my income higher, I could get regular health insurance instead of being put on Medicaid.  Regular insurance sounds a lot better.  I hear that almost […]

Obamacare: spouse on Social Security disability, hubby needs health plan

My wife is on Social Security disability. Do I claim her income for health care under Obamacare? Washington Stater Dear Washington Stater, The answer is yes, you will count your wife’s Social Security income in your household income for your health insurance subsidy application. The Affordable Care Act’s definition of modified adjusted gross income includes […]

Annual physical — not all tests are “preventive”

I’m 57 and get regular annual physicals. The Doctor is part of my network. Part of my annual physical was a blood test, which I assumed was preventive maintenance and therefore covered. I was diagnosed as pre-diabetic which will require semi-annual blood tests. I have another scheduled for May. I ended up having to pay […]

Obamacare: stay-at-home mom’s household income

I have insurance under my job but my wife is not covered under my insurance. She does not work, she is a stay-at-home mom and receives no income. I am the only one receiving income under my household. Can my wife qualify for Obamacare on her own? Breadwinner in Georgia Dear Breadwinner in Georgia, I […]

Obamacare: Act now before open enrollment ends

I receive SS benefits due to disability in the amount of $28,800 a year. My wife does not work. Will we be eligible for a subsidy for her insurance? Dead Stick in Texas Dear Dead Stick, Yes, she will be able to get a subsidy for her health insurance as long as she does not […]

Obamacare: Canadian plan “counts” but not for long

We got married in 2012. My wife still has legal resident status in Canada which entitles her to free medical care. She just started a part time job where she does not earn a lot of money. I am making about $60,000 a year. We have many expenses and financial obligations. I cannot afford another […]

Obamacare: old plan ending, what to do now

I have health insurance already through the company I work for but I can’t afford the deductible. I have had some issues with the hospital telling me I need to pay $2,500.00 since I have a $2,000.00 deductible and can’t afford it. It seems my insurance don’t cover much of anything to be honest so […]