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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6
votes
1answer
197 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
966 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 ...
6
votes
1answer
100 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 ...
5
votes
3answers
380 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
2answers
974 views

What does it mean to “get health insurance to avoid a tax penalty”?

I am in NYC. I received an advertising mail from Healthfirst. On its envelope, it says: Urgent: Get health insurance for 2017 now to avoid a tax penalty. What does it mean, and why? In 2016, I ...
5
votes
2answers
1k views

Does a tax filer have to pay a “no health insurance” penalty for an adult sibling tax dependent?

My 28 year old sister lives with me. She doesn't work, and she goes to a local community college to study English for adults (the tuition completely FREE of charge). I fully provide for her. She has ...
5
votes
2answers
374 views

What are my HSA contribution limits if one, but not all members of the family are covered by an HSA-eligible plan?

My understanding is that when a person enrolls in an HSA-compatible health plan, he may contribute $3300 to an HSA. For example, if Adam is enrolled in an HSA-compatible plan, he may contribute $3300 ...
5
votes
4answers
295 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 ...
5
votes
1answer
386 views

Do I have to wash money through HSA account?

I paid for my eligible health expenses from my regular account at the end of 2014 and beginning of 2015 because I did not have enough money on my HSA account. Now that I realize that I can contribute ...
5
votes
1answer
364 views

pros and cons of HSA in Investment account

I have my HSA that is currently in savings or checking account. The Insurance company provides option to keep the money in Investment account. What are the pros and cons of parking HSA fund in ...
5
votes
3answers
323 views

Does the rise in ACA premiums affect employer-provided health insurance premiums?

So I hear a lot about rising premiums and that the ACA is the leading cause. Recently I heard that the majority of people still get their health insurance through their employer. Is there merit that ...
5
votes
1answer
279 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 ...
5
votes
1answer
1k views

HSA/FSA, changing health plans mid year, concurrent coverage

My family is on the HDHP offered by my employer which has both an HSA and an LPFSA. The plan is on a calendar year (Jan 1 - Dec 31). We want to move to the plan offered by my wife's employer which not ...
5
votes
1answer
475 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 ...
5
votes
2answers
600 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 $1,330/...
5
votes
1answer
56 views

Health insurance deduction - better to buy through S-Corp or 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 ...
5
votes
1answer
871 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 hired,...
5
votes
1answer
112 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 ...
5
votes
1answer
873 views

How to Dispute a Medical Bill that Went to Collections

I had a 2-hour ER visit for a biking accident at an out-of-network location in 2014, and provided the insurance information at check-in. Four months later the hospital and the doctors (charging ...
5
votes
1answer
858 views

What to do when a 1095-C is lying?

I have a friend who does her grandmother's taxes. She is asking me for advice, so I am asking this forum. Her grandmother is a full-time hourly W-2 employee who, based on her income, qualifies for a ...
5
votes
1answer
6k views

Doctor's office won't submit claim to insurance after 5 months

I visited a doctor in August of 2015 that was in-network. They required me to pay for the services up front (in cash, btw). I should have known that was the first red flag, but I needed a prescription ...
5
votes
1answer
211 views

Evaluating ACA health insurance options

Question: Are ACA-compatible Catastrophic plans really more expensive (on average) than the other "metal" plans? After deeper analysis, it seems like a Catastrophic plan costs less out-of-pocket than ...
5
votes
1answer
204 views

Am I on the hook for medical bills by people that are on my health insurance?

I provide insurance for my ex-wife. Let's says the insurance pays 80% of the cost and they bill her for the rest. Am I liable for the remaining 20% if she doesn't pay? P.S. This is not a ...
4
votes
5answers
3k views

Is this HSA too good to be true?

I am grandfathered into this PPO plan which we have one more year before they get rid of it. I think the HSA plan is better now for me but wanted to check. Is this HSA plan better for me? If I ...
4
votes
5answers
410 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 ...
4
votes
1answer
2k views

Former Employer lied on 2016 1095-C form

I was laid off work on March 5th 2015 and was provided insurance up until March 20th 2015 and then offered Cobra. My husband had a new job and his insurance started as of June 1st and we had no issues ...
4
votes
2answers
11k views

If I voluntarily change employers, can I keep my health insurance through COBRA?

I just accepted a new position at a different company. Awesome! But, I just had surgery (nothing too major) and hit the deductible on my HDHP. I'd like to keep my health insurance right now, since I ...
4
votes
4answers
6k views

Options for HSA with no high deductible plan

I had an employer that offered a high deductible plan with an HSA. I have since moved employers and my new employer does not offer a high deductible plan. At first, I thought I would just keep my ...
4
votes
1answer
153 views

What counts toward the insurance deductible: the amount that the medical provider billed the insurance or the amount the insurance billed the patient?

What counts toward the health insurance insurance deductible: the amount that the medical provider billed the insurance, or the amount that the insurance billed the patient? For example: the medical ...
4
votes
1answer
1k views

Made big mistake with my health insurance plan; can it be changed?

Recently, my company changed its health insurance providers or something like that. Basically, the company that we would be receiving our health insurance through changed. At this point as I sit ...
4
votes
1answer
654 views

How to tell if a health share membership a prudent investment?

Under the Patient Protection and Affordable Care Act (aka Obamacare), Americans are required to purchase health insurance each year or else pay a penalty. I feel like I've been getting treated badly ...
4
votes
2answers
315 views

How can I budget for medical expenses when the medical billing process is so haphazard?

I've got fairly decent health insurance. But it seems like medical insurance companies always find some way to "scrooge" you. Example 1: Company switched carriers, was promised that we would get ...
4
votes
4answers
2k views

Health insurance allowed benefits: different for different plans from same insurer?

Let's say I have a choice between two plans, both offered by the same insurance company. Plan A is a high-premium, low-coinsurance, low-deductible plan. Conversely, Plan B is a low-premium, high-...
4
votes
1answer
135 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 (...
4
votes
1answer
127 views

Health insurance at 18

I turned 18 a few weeks ago and live in Florida. I live with my mother, and I've been waiting for years for her to get insurance, but never does. As it is, we are a low-income family. I've had ...
4
votes
2answers
292 views

Insurance, healthcare provider, apparent abuse, lack of transparency

I'm now covered by my employer's health insurance. We're used to shopping around for health care, so we expect to spend $80 to $100 at the doctor if we're sick. My wife has an understandable ...
4
votes
4answers
12k views

Is “premium tax credit repayment” deductible as health insurance cost for self-employed?

Under the ACA, you estimate your income for the year when signing up for a health insurance plan via the exchange. If you are eligible for a subsidy, it is calculated based on this estimated income, ...
4
votes
1answer
16k views

Can I pay past expenses using an FSA opened midyear?

In my old job I had a HDHP and HSA. Midyear, I started a new job and switched to a standard insurance plan and an FSA. Can I submit receipts for expenses from January to the FSA that I just opened in ...
4
votes
1answer
236 views

US - paying medical insurance premiums from HSA? (while on disability leave)

My wife has been carrying our health insurance for about two years. She is on disability leave for the foreseeable future. Her employer continues to pay the employer portion of the medical/dental/...
4
votes
1answer
51 views

Getting medications before Covered California coverage begins?

I have a friend who takes several medications for mental health. She lost her health insurance coverage in December but signed up for a healthcare plan through Covered California during open ...
4
votes
1answer
302 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 ...
4
votes
2answers
308 views

Single employee - paying for health insurance premiums with pre-tax money

I am about to join a new US company and will be the only employee for a while. I am not a shareholder or anything similar. The employer cannot offer a group health plan as they normally require at ...
4
votes
2answers
189 views

How to pay for Alzheimer's care?

My mom is on the early stage of Alzheimer's, but I'm aware of the fact that "early" won't be forever. What are some of my options for financing the cost of my mother's care when the time comes? I am ...
4
votes
1answer
214 views

Do high premium health plans make sense for those self-employed AND subject to the AMT?

As you may have guessed, I am self-employed and subject to the AMT. When evaluating health insurance plans for my family, I chose a high premium/low deductible plan so that I could take advantage of ...
4
votes
2answers
2k views

Time limit for health-insurance to pay doctor bill and send EOB

I'm in the middle of another dispute between an in-network doctor's billing office and my health insurance company (HIC). My health insurance has not yet paid the bill due to a dispute over some ...
3
votes
5answers
437 views

Does COBRA make sense anymore with the ACA?

I recently changed jobs. Job 1 ended in March, and Job 2 started immediately after the end of Job 1. The health insurance provided by Job 1 continued to the end of March. The health insurance coverage ...
3
votes
6answers
360 views

Rational risk-assessment decision framework: Should I buy health insurance?

Update: I've posted a sub-question on the math stack exchange to help answer part of this primary question. Sub-question: Toy problem: How much should I rationally be willing to pay for this ...
3
votes
3answers
4k views

How to respond to collections regarding medical bill your insurance hasn't paid?

Last year our medical insurer froze my wife and children's account and refused to make any payments to any providers until my wife, her doctor, and possibly some of her other providers filled out a ...
3
votes
2answers
128 views

Where does ObamaCare factor into the US federal tax return?

It was in the press a lot that if you fail to buy an ObamaCare health insurance you will be fined. But I just filled up my tax returns, and I didn't see this question anywhere in the forms. So are ...
3
votes
2answers
898 views

Is it too late to file a health insurance claim (for last year)?

My primary insurance was with Aetna and that ended Dec 31, 2016. I have bills from Dec 15,2016 That were not filed...it is too late to file them?