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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".

140
votes
15answers
30k views

For very high-net worth individuals, does it make sense to not have insurance?

Various types of insurance (health, car, life) protect you from relatively low probability but very expensive events in life (cancer, serious car accident, etc.) For the average person, it makes sense ...
24
votes
3answers
5k views

Health insurance coverage canceled due to mistake. Can it be corrected?

My medical insurance coverage through my spouse's employer was terminated because my spouse mistakenly checked the wrong box during the annual open enrollment. I've been on my husband's insurance ...
22
votes
4answers
6k 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, ...
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 ...
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 ...
18
votes
3answers
30k views

As a married couple, should we get separate health insurance plans or share a single one?

Both my wife and I have employers with health insurance plans that pay 100% premium for the employee but does not cover premiums for family (spouse or dependents). It seems financially cheaper to ...
17
votes
2answers
11k views

Should there be a copay after “out-of-pocket maximum”

I have individual health insurance and have met my out-of-pocket maximum due to a surgery earlier this year. I saw my (in-network) PCP this week and was still charged the regular $30 copay. Should ...
17
votes
2answers
16k 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 ...
16
votes
5answers
7k views

Which is better: Employer-sponsored HSA or opening an HSA individually?

So I know that: Employer-sponsored HSA's allow you to deduct contributions directly from your paycheck, pre-tax With individual HSAs, you must contribute using post-tax dollars, then deduct those ...
16
votes
3answers
50k views

Can I use an HSA to pay off medical debts incurred before the HSA was funded?

Let's say that in year A I had a medical insurance plan without an associated health savings account, and incurred some medical expenses (co-pays, deductibles). I didn't pay them that year; they may ...
16
votes
1answer
961 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 ...
16
votes
2answers
11k 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 ...
15
votes
2answers
4k views

Do birth defects in children count as pre-existing conditions?

My family is shopping for new insurance at the moment. We reside in the United States, Georgia specifically. We have had insurance continuously since she was born. My daughter, born in 2011, was born ...
13
votes
4answers
5k views

Do health insurances never cover over-the-counter drugs in the United States?

My insurance told me that: As the [drug name] is available over the counter, it is not covered by your health insurance. This would be an out of pocket expense for you. Do health insurances never ...
13
votes
1answer
3k views

Does the Affordable Care Act (Obamacare) require insurance to be paid with pre- or post-tax dollars?

I would like to continue paying for health insurance with pre-tax dollars. But, according to this Washington Post article, buying healthcare through the Affordable Care Act (Obamacare) requires post-...
12
votes
3answers
16k views

Comparing HDHP vs PPO Plans: Am I missing something?

It's that time of year at work that we're needing to renew our insurance carrier. HR decided to continue the two PPO plans we previously had available, while adding an HDHP + HSA plan. I've compared ...
12
votes
3answers
970 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?
12
votes
2answers
452 views

What will the penalties be for someone without 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?
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'...
12
votes
1answer
352 views

Why do insurance companies in the United States have an enrollment period?

Normally with health insurance in the United States, you can only change the coverage you're getting during a single multi-week period in the year. That is unless there's a life qualifying event such ...
12
votes
1answer
924 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 ...
12
votes
1answer
9k 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?
10
votes
2answers
4k views

What if an employer sets up and contributes to an HSA for an ineligible employee - can he withdraw the excess contributions with no penalty?

My son is 21 years old and starting his first job. He is covered under my health insurance, which is a non-HDHP PPO, until he turns 26. (Because I have other children, I wouldn't save any money by ...
9
votes
2answers
711 views

Are there any benefits of FMLA beyond preserving your job?

I'm not positive this is the right forum for this, but it regards personal finance and company benefits, so it seems to fit, if not, please recommend another SO site that's more appropriate. I'm ...
9
votes
3answers
846 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 ...
8
votes
2answers
2k views

Can I take the self employment healthcare deduction if I get my insurance through my employer?

Historically when I had insurance through ACA, I deducted the premiums on the special self employment premiums deduction. Now, I get insurance through my employer but still pay a ton for it. Is that ...
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 ...
8
votes
2answers
4k views

Can I claim a parent receiving Medi-Cal benefits as a dependent on my tax return?

My mother got her green card this year. She won't work here. All her expenses will be paid by me. Since she is 67 years old, I am planning to apply for Medi-Cal health coverage for her. My question ...
8
votes
1answer
5k views

Can my employer change wage rates based upon medical coverage choices?

Prior to this year my employer used to reduce our hourly rate if we elected to enroll in one of the employer sponsored medical plans available. This reduction in rate was in addition to any weekly ...
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 ...
8
votes
1answer
221 views

Switch from HSA/Limited FSA to FSA only

In 2016 I had a High Deductible Health Plan/HSA and a Limited FSA through my employer. For 2017 during our open enrollment I decided to not use a HDHP, and chose a PPO Plan. In addition, I selected a ...
7
votes
3answers
1k views

Why do HSA qualifying plans have a max deductible?

In order to be eligible to make tax deductible contributions to an HSA account, you must have a qualifying HDHP (High deductible health plan). Among the requirements, is a deductible and max OOP ...
7
votes
1answer
1k views

Is accident insurance worth it for my kids who play sports

I'm evaluating options at my job for insurance and an optional insurance offering is accident insurance. I'm looking at this for my kids who play sports in school and on club teams. It's $170 a year....
7
votes
3answers
1k views

I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly?

I had never given a second thought to the details of the bills that my health insurance (HI) company used to send me until I moved to a HSA plan. My typical (before the HSA plan) bill claim would be ...
7
votes
1answer
190 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 family?...
7
votes
1answer
236 views

Health insurance for homeless woman?

I'm trying to help a homeless woman in Saint Louis, Missouri get health insurance but do not know where to start? She has no income and no money at all but needs health insurance. This woman has not ...
6
votes
2answers
1k views

Dentist screwed me on a bill. Do I have any options?

A while ago I switched dentists. Despite reading a bunch of research about how the #1 predictor of high dental bills is switching dentists, my dentist proposed a "deep cleaning" and said my dental ...
6
votes
1answer
424 views

How do I evaluate a health insurance policy that covers a specific disease?

I know that medical emergencies could be fatal for emergency funds and other personal finance aspects. How can you evaluate a cancer insurance policy? What are the aspects that makes one policy ...
6
votes
4answers
287 views

Does this very cheap traveller insurance make any sense?

A local railway company partners with an insurance company and offers insurance policies as paid addition to railway tickets. A random monthly salary in this region is an equivalent of seven hundred ...
6
votes
2answers
341 views

Medical bill in collections

I am a college student that had surgery in 2014 on my gallbladder and subsequently became very ill and needed a necessary test to prove a a diagnosis my gastroenterologist suspected. He recommended ...
6
votes
4answers
13k views

“$100 Copay before deductible/40% Coinsurance after deductible”

I'm shopping for health insurance. (U.S., federal exchange, I'll be losing COBRA which is a qualifying life event.) One of the plans describes its emergency room costs as: $100 Copay before ...
6
votes
3answers
7k views

How is my employer affected if I have expensive claims on my group health insurance?

Suppose, for the sake of discussion, that I work at ACME, Corp, a USA company. As part of my compensation, ACME makes me a member of their group health insurance through Aetna, a USA health insurance ...
6
votes
1answer
271 views

I spend more on healthcare than my HSA can cover right now. How to handle reimbursements?

My partner just changed jobs to an employer that only offers a high deductible health plan. This is not an ideal situation for our finances as we both have chronic health conditions, his being high ...
6
votes
1answer
363 views

No health insurance wants me, what to do?

Ive tried to apply to medicaid twice this year(2015) and both times, they have denied me. But when I try to find health insurance on the Obama Marketplace site, the private insurances block me out ...
6
votes
1answer
2k views

How does the Spousal Surcharge generally work?

We are on my wife's health insurance policy. I have access to the insurance policy from my employer; however, for the past few years wife's policy was much better. This year wife's policy introduced a ...
6
votes
1answer
3k views

Domestic Partnership Health Insurance and Tax implications

My girlfriend and I are moving to NYC. She is self employed and comparable health insurance in NY will cost her 2x as much as in Texas, where we are now. If we register as domestic partners it seems ...
6
votes
1answer
188 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
924 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 ...
5
votes
3answers
373 views

Bill to expect after receiving basic emergency services at out-of-network hospital

Edit: follow-up question w/ resolution info and another billing-related concern. Recently I broke a finger while playing sports. The finger was clearly broken/disformed. Also I received a minor head ...
5
votes
5answers
386 views

Why is company provided health insurance tax free, but individual health insurance is not?

Why is company provided health insurance tax free, but individual health insurance is not? I do not understand the rationale for making health care contributions by companies non-taxable, but if an ...