Obamacare: tax forms galore
I had no health coverage this year until I got a job in May. Then I had a health plan from my job until September when I quit. After that I had coverage from the exchange (with a subsidy). I just...
View ArticleFlexible Spending Account: takes some planning
Is there any reason to set up a medical flexible spending account if I’m not perfectly sure of my expenses for the year and I don’t expect any major life/work event? Steady Dear Steady, You do not need...
View ArticleObamacare: employer plans get more similar in 2015
I got a job offer to be in the IT department of a financial firm. Their plan pays 90% of the cost for an HMO plan, 70% of a PPO plan. How good of a benefit is that, compared to larger firms? (The...
View ArticleObamacare and wellness programs
Would anyone — insurers, employers, government — be interested in software that calculates monetary reimbursement based upon patients meeting certain health goals? Safeway very publicly (2005)...
View ArticleObamacare: end exchange plan when new job benefits start
Can I sign up for health insurance on the exchange but leave it when I get a job that has benefits? I want to know if a person is forever forced to stay in federal government health insurance program...
View ArticleObamacare: what’s income and what’s not
When I retire in 2015, I know that I will need supplemental insurance in addition to Medicare. My main concern is getting affordable insurance for my wife, who is 58 years old. The only income for both...
View ArticleObamacare: regular savings withdrawal is not income
I have two more questions concerning MAGI when calculating the cost for affordable care insurance. Will withdrawals from a Roth IRA or a Money Market account count as income? If either one doesn’t ,...
View ArticleFree rent may be “kick back” from insurance broker
Can an insurance broker pay the rent for a company and in return get their health benefits business? I know of a situation where this is happening. Whistle Blower Wannabe Dear Whistle Blower Wannabe,...
View ArticleComparing an HSA to an HRA
Should I choose an HSA or an HRA plan? I’m very new to this insurance stuff. I want to pay less out of pocket each month but still have good coverage when I need it. Betwixt and Between Dear Betwixt...
View ArticleACA: 9.5% of income cap does not always apply
Under the Affordable Care Act, a person can pay up to 9.5% of his income for his health insurance. Are there situations where a person has to spend more than that to get coverage that qualifies?...
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