Tagged Questions
1
vote
1answer
35 views
Can a non-resident claim an out of pocket health cost tax deduction?
I am a graduate student and my health insurance is paid by the university. I had an emergency visit and few subsequent doctor's visit in last financial year which were not covered by the insurance and ...
6
votes
1answer
77 views
Personal liability insurance with no car or house
Is it possible to get a personal liability insurance if I don't drive (I don't have a driving license and I don't own a car) and if I don't own a house (I am renting)?
The use case I'm thinking about ...
1
vote
3answers
145 views
How to protect a Stock you still want to own from a downturn?
I have a few stocks on my portfolio that I still like and I still believe I should own. They still meet all my buy signals, so I will still buy them today.
However, the stock market is not doing ...
10
votes
1answer
188 views
How does unemployment insurance work?
I hear people on the radio going on about emergency funds to cover job loss, and I'm wondering how unemployment insurance factors into this. I've never applied for UI, let alone received it, and I'm ...
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?
1
vote
3answers
144 views
Should I elect to have my long term disability insurance be taxable?
My employer offers long term disability insurance as a standard benefit, and they also give me to option to make it taxable. From what I can tell, this means:
The premium is added to my taxable ...
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 ...
2
votes
1answer
107 views
“Surety Bond” as a cheaper alternative to auto insurance in Florida
There is very little information about "surety bonds". Officially, it looks like FL is one of the states that accepts surety bonds as an alternative to liability insurance. What are pros and cons vs ...
3
votes
2answers
141 views
What options exists if your wife's employer doesn't cover any type of maternity leave?
Recently I discovered that not all employers will cover maternity leave. Many will allow an expectant female to leave for a period of time, but it will be under a leave without pay license.
Aside ...
0
votes
1answer
85 views
Self paid Insurance Premiums and taxes
Currently my employer proivdes a Health Insurance Allowance (which I understand is really just added compensation), but I am wondering if it is possible to somehow shield that money similar to a ...
2
votes
2answers
161 views
Gap in domestic Health Insurance coverage, expect higher premiums?
I am going to be living abroad for a year. I left my employer and am on short-term health insurance until I leave. I wasn't planning on maintaining domestic coverage (U.S) while I was abroad, but I am ...
1
vote
2answers
82 views
Is health insurance a wash in this case?
Let's say one makes 50k per year base at a company that pays 100% of the cost of a 10k per year medical plan.
Now, a different company pays 0% for their similar 10k health care plan. The base pay is ...
9
votes
2answers
125 views
Tools for comparing costs between different healthcare providers?
I have a high deductible health insurance plan. That means the first $2000 or so expenses per year are not covered by my insurance.
What's a good way to compare health care costs from different ...
3
votes
1answer
499 views
How can I improve my auto insurance score?
My auto insurance score on Credit Karma is 805. It also says insurability is poor. I was wondering if there is a way to improve that score? I have never had an accident and I am never late on my ...
3
votes
1answer
55 views
Does COBRA eligibility depend on other health insurance options?
I left my job, and went on COBRA. I started a new job, but the health insurance offered at the new job is a worse value than the COBRA coverage. I'm still eligible for COBRA, right?
They happily ...
1
vote
2answers
90 views
Health insurance lapsed due to employer fraud. How to get medications while in transition?
Recently my health insurance was cut off due to my parent's employer pulling some bookkeeping trick for the past few months where we were being given health insurance but it was off the books - ...
7
votes
1answer
169 views
Can mortgage insurance replace PMI?
So I recently bought my first house, and admittedly have no idea what I'm doing when it comes to home financing. I did not put down 20% so I have to have PMI until I pay off the principle up to 20%. ...
2
votes
1answer
120 views
Why would I enroll in a Limited Purpose FSA, on top of an HSA?
Open enrollment is coming up and I have the option to open both an HSA and a limited purpose FSA, which only covers dental and vision expenses. Why would I participate in both?
5
votes
1answer
924 views
How does retroactive COBRA coverage work?
I'm voluntarily leaving my job at the end of this month for a new position in a couple of weeks. At my new job, I have health care coverage effective my first day of work. My current coverage ...
1
vote
3answers
253 views
How do I calculate the dwelling coverage I need from the information I have?
I have just finished ratifying a contract for a home purchase. Our timeline for getting everything done is fairly tight and I'd like to start getting the homeowner's insurance squared away as soon as ...
11
votes
5answers
451 views
How much should I fund an HSA? Is there a danger in over-funding one?
I'm reviewing my options for health insurance during open enrollment and one of them is a HDHP/HSA option. I hear these are best for young people without chronic conditions etc. I think I fall into ...
5
votes
2answers
85 views
Tips to putting the yearly health insurance payments to work
I have been making my annual $1.5k health insurance payments to Blue Cross and now it feels like I am pouring money down the drain year after year!
Since I exercise daily, eat healthy and keep myself ...
9
votes
3answers
83 views
Comparing/reviewing personal health insurance plans for the self-employed
I'm looking at needing to acquire personal health insurance in the next few months as I move from a job with good benefits to self-employment, and I've found that it's pretty difficult to compare the ...
12
votes
6answers
948 views
Do I need ID theft Insurance?
Identity theft insurance?
Dave Ramsey says yes. Consumer reports (CR) says no.
The complication is that Dave recommends an identity theft insurance from Zander Insurance, where as CR says to say no ...
9
votes
8answers
1k views
The doctor didn't charge the health insurance in time, am I liable?
I got a bill for an emergency room visit for one of my kids. It was the weekend and that was where the insurance told us to go. Luckily no stitches needed. Fast forward 7 months and I get a bill ...
2
votes
3answers
109 views
How long do you need to have High Deductible insurance before contributing to an HSA?
I am just about to leave my high deductible plan for a plan that is not HSA-eligible. As I understand it, I could max out my HSA for the year right now, and then I could use the money in my HSA for ...
4
votes
2answers
102 views
What are the most common subtleties of COBRA continuation health coverage?
I'm leaving my job at the end of the month. I'd like to continue my health insurance that was part of the company benefits. What are the most common subtle ins/outs or gotchas for someone ...
3
votes
1answer
112 views
COBRA eligibilty if employer changes providers at time of contract signing?
I have a contract from July to June. I am a teacher. At my meeting to discuss my position in September, I will probably be told that my hours are going to be reduced and I will no longer be eligible ...
5
votes
1answer
666 views
Retroactive COBRA Premium Increase: Can my COBRA health insurance premiums be hiked retroactively?
I hope this is the right place to ask this, but if not let me know and I'll go away.
About 6 months ago I left a W-2 position to do independent consulting. Since then, I have been using my previous ...
6
votes
1answer
147 views
Do Americans still need extra health care / medical insurance after reform to health care? [U.S.]
Does the passage of the recent bill in the US change the way Americans budget for health care? If so who benefits?
