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Questions tagged [health-insurance]

For questions about health insurance policies, including relevant terminology, types of policies, how to evaluate a health insurance policy, etc. Questions should be tagged with a country-specific tag in most cases, e.g. "united-states" or "canada".

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2answers
50 views

I have Multiple HSA accounts and want to confirm my established date is correct

My employer changed HSA providers in June 2016. We were HSA eligible since 2014 and the original account was established then. My wife had surgery April 2016 yet I was using funds from the June 16 ...
0
votes
1answer
31 views

Provider pool size for health insurance plan

I am selecting health insurance. My goal is a low premium/high deductible plan, but with a large selection of providers. In other words, if I have a serious medical problem, I would like the ability ...
0
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2answers
33 views

Medical Coinsurance Maximum VS Out-of-pocket Maximum?

Plan 70/30 offers $4000 Coinsurance Maximum. (outofpocket max N/A). Plan 80/20 offers $4100 Out-of-pocket Maximum. (coinsurance max N/A) Does that mean that if I get into an accident which requires ...
2
votes
2answers
96 views

Open an HSA at another bank and transfer even if I am not qualified to contribute?

Last month, my girlfriend got a new job with good health insurance and an FSA account. She has an HSA account from her previous job and the custodian is dinging her with monthly fees because she's ...
0
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2answers
32 views

Order of payments in embedded health insurance

I would like to know if the order of medical care matters in an embedded health insurance system. I'm trying to decide between different insurance plans for the upcoming calendar year, but something ...
0
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1answer
116 views

Employer won't refund healthcare cost [closed]

My wife's employer had put me on her health plan after I provided paper work stating I was covered under my employers benefits plan and billed her for myself and our 3 children and won't refund her ...
3
votes
1answer
71 views

HSA unemployement lump sum

What are IRS rules regarding employment termination and employee pre-tax lump sum contribution to HSA account? i.e. Jan 2019, Feb 2019 employee contributes 100 a week for total of $800 in HSA. ...
2
votes
3answers
107 views

High-deductible health plan. Deductible calculations?

Current PPO. Go to Dr. Rich for colonoscopy. On my explanation of benefits Dr. Rich charged 1k for colonoscopy, 1k for analysis, 1k for biopsy. My insurance says colonoscopy is contracted at $800, ...
-1
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0answers
27 views

FSA account for children employees, NYS Single Member LLC taxed as S Corp

My wife has a Single Member LLC in NYS, taxed as an S Corp for tax returns. My two children are both employees of the LLC, and drawing a salary. I have insurance from my family through my employer. ...
1
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0answers
71 views

How does my current insurance work?

Sorry for the vague title, in case location matters this is done in Europe, Austria. And all of this was handled by the same agent. I will first write down what this is about and then ask the ...
1
vote
0answers
26 views

Health Management Reimbursement Accounts (HMRAs / HMAs)

I recently heard about an interesting alternative to HSAs called "Health Matching Account Services" ("HMRAs"/"HMAs"). However, most of what I can find out about them is on the very website of their ...
0
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1answer
28 views

Deductible Transfer changing to plan with higher deductible

Individual had Medical Plan with Deductible of $1300. Deductible was met within a few months of start of calendar year. Plan is on calendar year. Mid-year Individual changed plan within the same ...
0
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1answer
61 views

How can all medical expenses be deducted from taxable income for a business with owner and 1 other employee?

How would I best set things up so as to fully fund my and my employees healthcare and reduce taxable income. I am am considering forming an LLC or S-Corp but don't know the pros and cons in this ...
12
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1answer
921 views

How to read the benefits table

I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search ...
2
votes
0answers
39 views

How to handle switching individual health insurance in the United States when frequently moving to different states and countries?

I have had the same individual California Blue Cross PPO insurance for the last 10+ years and I just moved to the east coast on July 1. My California insurance is paid up to the end of June. As I ...
0
votes
1answer
41 views

Maximum Allowed Amount not mentioned in the benefits, on a PPO health insurance plan

I believe i have an Anthem PPO 250 plan. One type of service only mentions a $1000.00 daily cap on rendered services. The only other mention of my responsibilities is a 30% copay for services out side ...
2
votes
1answer
42 views

Wife - HSA/HDHP -Husband traditional & HRA - wife receive $ from H HRA?

I currently have a HDHP/HSA individual plan through my employer. I have no coverage for health care and prescriptions, through my current plan until I meet my deductible of $3,000. After I payout $3,...
2
votes
1answer
54 views

Can I qualify for ACA subdisies if I don't have current employment income, but have interest/dividend income, other income and capital gains?

My understanding is that individuals with income < FPL don't qualify for ACA subsidies. I have made around 10-15k this year from a previous job, but currently don't have a job (by choice, but I ...
0
votes
1answer
63 views

Leaving a High-Deductible Health Plan (HDHP) during the year: can one still fully contribute to one's HSA? [duplicate]

Bob has a High-Deductible Health Plan (HDHP) and wants to maximize his contributions to his Health Savings Account (HSA). At some point during the year, Bob changes his health insurance from an HDHP ...
22
votes
4answers
5k views

Where can I get my girlfriend health insurance?

I have a girlfriend, she is not working, but in college at the moment. We live together, but are unmarried and have no kids. I have a considerable income of about $60k annually. We tried Medicaid, ...
1
vote
2answers
388 views

My medical insurance from my employer is extremely high. Could there be a possible mistake?

I am 26 years old and recently my employer changed to another insurance provider agency and the price went up ridiculously, at least for me. At this company the employer pay 50% of the insurance cost. ...
12
votes
1answer
2k views

Can I get private health insurance if my employer offers it?

I started a new job... The health insurance plan that is closest in comparison to my current plan is $300 MORE expensive per month. Coincidentally they cover $300/month (it's about $980/mo!!) so it'...
2
votes
1answer
49 views

HSA distribution for deferred insurance payment

My daughter recently started an orthodontics program that will last 13 months. We've covered the entire program cost up-front already. She is covered on my wife's insurance, and that will pay about ...
3
votes
1answer
60 views

How do ACA premium tax credits work?

As a "What if I lost my job?" budgeting exercise, I went to https://www.healthcare.gov/apply-and-enroll/health-insurance-plans-estimator-overview/ and punched in the numbers for me and my children ...
0
votes
1answer
130 views

Health insurance for psychological Skype consultations

I consult with an overseas psychologist via Skype. My current BCBS health insurance pays 80% when I visit my US psychologist. I don't know how to make the international health insurance since this is ...
2
votes
3answers
133 views

Pros/Cons of individual HDHP HSA's versus family HDHP HSA?

My wife and I deciding if we should keep individual HDHP with individual HSA's or be on the same HDHP and have one family HSA account. The insurance plan basically doubles the deductible and out-of-...
1
vote
1answer
49 views

Must I prove that I've paid the medical provider before receiving payment from the insurer?

I recently submitted some medical insurance claims to my medical insurer. They are requesting proof of payment of my medical bill since I'm requesting that I be paid, not the provider. Am I required ...
19
votes
2answers
4k views

Laid off. Had FSA overages that I wasn't aware of. Can they collect?

I was abruptly laid off, and I wasn't aware of the FSA overages until after my departure. I realize I'll sound like a weasel, but can they collect? They paid out more than the annual limit and they ...
1
vote
1answer
652 views

Can corporate insurance coverage continue even after resigning?

While working at a company in India, I was covered by a corporate insurance policy. Also, I was asked to pay the annual premium for including my parents to the policy. In December, I had to resign ...
0
votes
3answers
251 views

Which of these countries makes most financial sense? [closed]

Below are a list of countries I am considering moving to (from within Europe). My preference was initially the Netherlands, but I have read that the bureaucratic side of things can make moving there ...
12
votes
3answers
965 views

Is it possible to use my HSA for a payment I've already made?

I misplaced my HSA debit card, and while waiting for a new one was forced to pay a qualified health care expense out of pocket. Is there any way to use my HSA to cover the expense retroactively?
2
votes
0answers
55 views

Health insurance for family visiting from overseas

I have an aunt and uncle planning on visiting the US from China for a stay of 5 months (on a tourist visa with Chinese passport) and I'm wondering what insurance to get them. They're about 60 years ...
3
votes
0answers
46 views

Medical premiums vs. ACA premiums on tax return

I'm currently doing my tax return. In 2017, I paid 12 months of health insurance premiums out of pocket, on my own private plan bought through the Marketplace. In the tax return, it instructs NOT to ...
5
votes
1answer
65 views

Are Medicare premiums deductible on schedule C if you also have a secondary policy from previous employer?

My wife and I both receive Medicare parts A and B. We can not participate in previous employer's health plan as primary because we are on Medicare. However, we do participate in the employer's plan as ...
8
votes
3answers
1k views

What is the purpose of putting funds into an HSA when the interest rate is so low?

I have an HSA through my employer, of which I put a certain percentage of my salary towards. The "goal" of the HSA (as I understand it) is to have a lifetime plan to support your healthcare. Looking ...
3
votes
1answer
650 views

Can COBRA-premiums be paid for pre-tax?

I have the option to remain on the previous employer's COBRA for the foreseable future. Their plan is much nicer than what my new employer is offering while being only a little more expensive. ...
1
vote
1answer
103 views

Paid every two weeks but health insurance premium is listed as monthly

My husband gets paid every 2 weeks. I would like to know do they divide his health insurance payment between the 2 checks. It says per month on his paper work.
0
votes
2answers
86 views

Product Pricing & fractional pennies

So I have a product where the price is is determined by multiplying a base price by a factor that increases by age. So depending on how old someone is when they buy the product the price is different. ...
3
votes
4answers
435 views

Why it is recommended to have High Deductible Health Insurance and to have HSA - Max out the pocket?

Why it is recommended to have High Deductible Health Insurance and to have HSA - Max out the pocket? I am not able to understand the benefit of having High Deductible Health Insurance and HSA.
21
votes
3answers
7k views

Is it mandatory to have health insurance?

Is it mandatory to have health insurance? Assuming that I contribute $200 monthly, which for 12 months is costing me around $2400, and don't use the insurance, then having only FSA with a fixed ...
3
votes
0answers
31 views

Health Insurance Deduction - Better to Buy Through S-Corp or Buy Individually?

I have a S-Corp that I can buy myself insurance through. If my monthly coverage costs $380, is it more advantageous for me to purchase this insurance through my S-Corp and then use it as an employee ...
4
votes
1answer
112 views

What can I do with a HSA after I leave a HDHP

I have a HSA which I opened with a previous employer who offered a HDHP. My new employer does not have a HDHP plan. Because I'm no longer an employee with my previous employer, my HSA custodian (...
1
vote
1answer
146 views

Opened HSA that I am not eligle for… How do I get rid of it without getting in trouble?

In order to keep my insurance coverage through my husband's employer I was forced to sign up for my employer's High Deductible Health Plan. My employer knew I was keeping my other coverage but told ...
3
votes
0answers
79 views

Health Insurance: Why use the iterative calculation method?

Context Self-employed Bought health insurance through a health insurance marketplace All premiums for the entire year were "specified" (nothing "unspecified") Need to calculate the the amount of ...
8
votes
1answer
118 views

Should I purchase health insurance directly, or through my LLC?

I am currently in the market for health insurance and have an LLC with myself as the sole employee. I would like to know the advantages vs the disadvantages to purchasing through my business. Also how ...
0
votes
1answer
137 views

Taxes and health insurance: Find SLCSP (second lowest cost silver plan) before 1095As are issued

To do 2017 end-of-year tax planning, I need to know the second lowest cost silver plan (SLCP) for my Colorado zip code. I've tried searching my health insurer's site, the state marketplace site, and ...
2
votes
0answers
19 views

If I am eligible for employer sponsored insurance which doesn't offer coverage in my state, can I still get an APTC on the exchange?

Normally if an employer offers "affordable" coverage that meets minimum standards, employees eligible to participate no longer qualify for an Advance Premium Tax Credit, even if they want to turn down ...
1
vote
2answers
87 views

Do I need an HSA in order to purchase an HSA health plan?

I live in New Jersey and am buying insurance through the healthcare.gov marketplace. Some of the plans are marked 'HSA'. Can I purchase these plans even if I don't have a health savings account? (...
3
votes
2answers
276 views

Why would anyone choose this PPO over PPO HSA?

The health insurance plan below has the following fees for an employee only coverage (excluding spouse + children plans to keep it simple): PPO 250: $605/mo ($7260/yr) PPO 2250 HSA: $351/mo ($4212/yr)...
2
votes
1answer
111 views

If I have a high-deductible health plan, is there any reason not to take HRA?

From Wikipedia entry for HRA: "a type of US employer-funded health benefit plan that reimburses employees for out-of-pocket medical expenses" (bold is mine). It sounds too good to be true, but does ...