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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".

2
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1answer
165 views

I have a dental health policy and I have a general health policy that includes dental. Can I claim on both?

I had to have a crown for £500. I claimed through the specialist dental insurance. They paid out £350. Can I now claim on the other general insurance policy for the £150 that wasn't covered? I know I ...
1
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1answer
100 views

Car Insurance - Uninsured Motorist Bodily Injury With Personal Health Insurance

I have comprehensive health insurance with a relatively low out of pocket. I noticed that the "Uninsured Motorist Bodily Injury" add-on for my car insurance has limits of $100,000 / $300,000. In the ...
1
vote
1answer
41 views

Individual Mandate Penalty for a Resident Alien who left the country in August

I am an F1 student who was in the United States from September 2011 till August 2018. I completed my coursework in May 2015, and stayed in the US for another three years under the OPT provision. I ...
0
votes
1answer
103 views

Premium tax credit repayment

I had to repay entire subsidy in the amount of $15,000.00 when I filed my taxes in February 2018. Did to having withdrawn money from IRA to purchase a home. Can I deduct the entire $15,000 when I ...
3
votes
0answers
37 views

Can I defer starting Medicare if 65 and on COBRA after a lay-off? (HSA, COBRA, and Medicare)

I turned 65 in February, am still working full-time, and have medical insurance through my company that qualifies me to defer signing up for Medicare. I've been contributing the maximum to my HSA ...
3
votes
0answers
55 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 ...
3
votes
0answers
33 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 ...
3
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0answers
94 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 ...
3
votes
0answers
215 views

How does Medicaid compare with private insurance on Healthcare.gov?

How Obamacare works is that if your income is sufficiently low, then you can get Medicaid. And if your income is too high to be eligible for Medicaid, then you'll get a Premium Tax Credit (aka the ...
3
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0answers
635 views

Change in health care deductible with newborn

My wife has health coverage (different from mine) through her employer. Her deductible is $1300. In May my daughter was born. Until then my wife incurred a lot of expenses and met the deductible. ...
3
votes
0answers
140 views

How do I gracefully transition from a standard medical plan to an HDHP with a non-calendar plan year and multiple FSAs?

My family is on my wife's insurance and FSA which is on a non-calendar plan year (June to July), with the additional FSA through my employer which is on a standard calendar plan year (January to ...
2
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0answers
41 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 ...
2
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0answers
57 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 ...
2
votes
0answers
20 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 ...
2
votes
0answers
50 views

Can I enroll in health insurance out of enrollment period (USA) if I didn't realize I had become a US resident for tax purposes?

Context: US non-residents don’t have to have health insurance, and are not fined. I became a US resident alien for tax purposes in Jan 2017 (automatically triggered based on the time I’d spent in the ...
2
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0answers
94 views

Are gifted health insurance premiums tax deductible for the recipient?

Amanda paid some health insurance premiums for Bill in 2015. The payments were made directly to the insurer and intended as a gift to Bill. Amanda doesn't have to report payments for medical ...
2
votes
0answers
188 views

Can a person who has Medicaid buy a discounted dental insurance plan?

We live in Arkansas. My dad has Medicaid. However, it turns out most dentists do not accept Medicaid, and those that do, provide a limited number of services . So, I tried to purchase a dental plan ...
1
vote
0answers
28 views

Question regarding reporting medical insurance, interest income and my address because of part-year stay in the US

I am seeking urgent assistance with my US tax filing (with TurboTax) for 2018 concerning part-year residency. I lived in the US between Jan-August and left the country for good thereafter. Keeping ...
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0answers
48 views

Can I take self-employed health insurance deduction?

I am trying to figure how much of my Medicare premiums and Medicare Advantage (MA) premiums qualify as self-employed health insurance deduction (SEHID) "above the line" on line 29 of Schedule 1. ...
1
vote
0answers
83 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 ...
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0answers
30 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 ...
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0answers
102 views

Are group health insurance premiums cheaper than individual health insurance premiums?

I am self-employed and have one employee. I am a health 35 year old, with healthy wife, and 1 child. My employee is a 30 year old, also healthy. Would group health insurance rates premiums be ...
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0answers
120 views

Is there a public formula or algorithm for out-of-pocket healthcare cost?

Essentially, what I'm looking for is a simulation of out-of-pocket cost as a function of a health insurance plan and an arbitrary sequence of medical events -- in other words, a computational model of ...
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0answers
89 views

When to take inherited IRA to save taxes given low income year with Marketplace premium tax credit?

Summary: Taking a $12k distribution from an (inherited) IRA this year has a nice 10% income tax rate, but effectively additional 14% "tax" due to Healthcare Marketplace (not advanced) premium tax ...
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0answers
62 views

options for Healthcare and benefits for recently graduated PhD who is short-term unemployed?

I recently (2015) graduated from a PhD program in a very employable science/engineering major from a top three university in the United States. Due to some health and motivational issues (ones that ...
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0answers
347 views

Are Roth IRA dividends included in MAGI for healthcare.gov?

I have quite a bit of money invested in stocks in a Roth IRA, and I'm wondering whether I need to report that income when applying for health insurance coverage. My gut says no, since that income ...
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0answers
77 views

Health insurance payment does not match up explanation of benefits. What's going on?

My wife and I utilized the services of a chiropractor who happened to be out of network with my insurance provider (will name in an edit if it is important). My Explanation of Benefits says that out-...
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0answers
26 views

Medical insurance submission

Can my medical Dr. refuse to submit a prescription to my insurance for the reason that they aren't compensated enough, when they are contracted with my insurance?
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0answers
92 views

Does health insurance pay for traffic accident related claims

Is it true that in the US, health insurance does not pay for treatments needed as a result of car accidents? Specifically, what insurance covers the following scenarios: Someone has an accident ...
0
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0answers
65 views

Is Supplemental 20/80 health insurance still available in the US?

Are supplemental health insurance plans (those that can pay your out of pocket expenses after some deductible up to the limit that your primary insurance covers) still available in the US? I was ...