The health-insurance tag has no wiki summary.
5
votes
1answer
40 views
Comparing pre-tax versus post-tax health expenses?
I understand the concepts from this question and everything I have read says that the benefit of pre-tax expenses are that they reduce your taxable income.
But to keep the math simple, let's say ...
6
votes
1answer
50 views
Will I lose a lot on health insurance by changing employer? (Yearly OoP Max)
I am considering leaving my current employer. Hypothetically, assume my new employer has a different health insurance provider (although, it probably doesn't matter, since it would be a different ...
6
votes
1answer
142 views
“Out of Pocket Maximum” and health insurance plan terminology & calculation?
I'm trying to understand the terminology on my health plan. I've read numerous websites, which have only confused me more, as they fail to use examples (more than one should be required) for people ...
1
vote
1answer
53 views
Health Insurance and Disability Question
Country: United States; State: TX
Tax Info: Filing separately
Spouse: Employed (client-based business); Me: Self-Employed and work for a corporation.
My spouse recently had a medical issue that will ...
5
votes
3answers
134 views
Bill to expect after receiving basic emergency services at out-of-network hospital
Recently I broke a finger while playing sports. The finger was clearly broken/disformed. Also I received a minor head wound. Hence I sought emergency services at the nearest hospital. Call it hospital ...
8
votes
1answer
90 views
What happens to an HSA when I am no longer eligible to contribute?
Can I still make qualified distributions from an HSA (Health Savings Account) if I am no longer eligible to contribute? Otherwise, what happens to any remaining balance in the HSA?
Example: Say I ...
2
votes
1answer
69 views
How to Deduct Family Health Care Premiums Under Side Business
I am an employee of a company and I have health insurance through them, pre tax. My company only pays for me so I have private insurance for my wife and kids. I also have a side business, and was ...
1
vote
1answer
99 views
Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage
I intend to run my side business full time soon and was wondering whether it would be prudent to continue to be a contractor for my current employer rather than become a full time employee after my ...
5
votes
1answer
72 views
Rules about spouse's HSA
My spouse and 2 kids have high deductible insurance, but I do not. If my spouse contributes to an HSA, could that money be used for my medical expenses, or only for expenses for the rest of the ...
12
votes
2answers
199 views
how to deal with involuntary out-of-network charges
A covered family member had to be transferred to another hospital during an emergency medical situation. Both hospitals were in network, but the ambulance that the hospital insisted on using was out ...
2
votes
1answer
99 views
American (Private) Ankylosing Spondalytis Health insurance costs compared to the British NHS
I'm a sufferer of Ankylosing Spondalytis, and a resident of the UK - my health care is handled by the National Health Service (NHS). Now in the UK seems to be increasing move to privatise it's health ...
8
votes
3answers
139 views
Calculating cost effectiveness of a medical plan
I am evaluating new medical plans, and I'd like to figure out a formula that will give me some idea of the potential benefits of one vs another vs another.. etc..
I have these variables:
Cost Per ...
6
votes
1answer
139 views
HSA qualification and contributing with multiple HDHPs?
So I've read the IRS publications and I'm still kind of confused.
I have single coverage on my employer's health plan with a qualified HDHP and along with an HSA. This is pretty clear cut.
I am ...
12
votes
2answers
288 views
What will the penalties be for someone with out insurance after Affordable Care Act takes effect?
If I currently don't have health insurance will I have to buy a plan? If I do not what will the penalties be?
3
votes
1answer
112 views
What kind of insurance would cover death/disability for organ donors?
Let's say I'm going to be a living donor for a relative. I'm about to willingly undergo major surgery with known (albeit low) risks. I will be taking on significant debt to pay for the whole thing. I ...
3
votes
1answer
126 views
Switching From Employee to Independent Contractor
I've read a few different questions on here regarding the breakdown of employee vs independent contractor, but my situation has details that are quite different, hence, the question.
When I was ...
-2
votes
2answers
85 views
Why are some health insurances marked as not HSA eligible but meet the IRS's requirements?
When comparing two different CareFirst plans, they are almost exactly the same (deductible, coverages, etc) however for "HSA" one of the plan says not eligible while the other says eligible. I have ...
5
votes
2answers
124 views
Expensive Pre-Tax Health Plan or Cheaper After Taxes Private Insurance
I currently have two options for health insurance, and I'm having trouble figuring out which one will actually save me more money.
Option 1:
Employer sponsored Health Insurance for Family
...
1
vote
1answer
174 views
Deduct Health Care Premiums for Family When Employer Only Pays for Me
My employer offers insurance coverage, pays a substantial amount for me, but pays nothing for my spouse or my children. The difference in cost is around $127/month for myself and $1,330/month if I ...
3
votes
2answers
84 views
Tips for insurance coverage for one-man-teams
I'm a solo software developer and would like to find some reasonable health insurance for myself.
My wife has a job which allows me an opportunity to participate in her insurance group, but it is a ...
7
votes
1answer
133 views
Can I use HSA money to pay for family member that isn't covered by an HDHP?
If I'm in an HDHP, but my wife is on a different plan (non-HDHP), can I use money from my HSA to pay for her costs until she reaches her deductible?
