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
376 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
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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
203 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
1k 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
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1answer
888 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,...
6
votes
1answer
150 views

Can my spouse and I both have HSA's at the same time if I am covered on his health insurance plan?

My husband has a HDHP through his employer which I am covered on, along with our 3 children. He has an HSA plan that he contributes to through his employer in the amount of $200 every two weeks or ...
5
votes
3answers
389 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
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2answers
978 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
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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
382 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
1answer
271 views

What is the benefit of a private healthcare insurance in the UK?

Context I am a alien living in the UK (England, more precisely). I have right to permanent residency, (so) I benefit from the NHS. As background for those not familiar with the UK, all health ...
5
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4answers
333 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
405 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
2answers
102 views

HSA eligibility when with employer plans

My employer offers two health plans: PPO with optional FSA HDHP (high deductible health plan) with an HSA option. The plans have identical coverage, the difference is in the premiums, deductibles, ...
5
votes
1answer
374 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
326 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
288 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
2answers
331 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 ...
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
607 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
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1answer
58 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
118 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
931 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
885 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
7k 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
217 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
207 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
418 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
14k 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
2answers
58 views

Moving from individual HDHP to family HDHP, can my wife only contribute to an HSA?

I have had an HSA account that I used to contribute to for my HDHP plan through my employer. This year I am on my wife's HDHP plan through her employer. Does this mean I can no longer contribute ...
4
votes
2answers
2k views

Orthodontist charged me more than submitted as total to insurance and wants me to pay the rest?

I had an orthodontic procedure done. The total bill was $10k. My insurance covers 90% of this procedure.They processed the claim and it shows coverage at about 60% of the total amount. I called ...
4
votes
4answers
7k 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
193 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
663 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
312 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
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
2answers
116 views

No-Deductible plan or High Deductible HSA plan?

The Company I work for is offering two Insurance options starting this year. One being the No-deductible plan I am currently on, and the other being a 1500$ deductible plan with an HSA that they will ...
4
votes
1answer
113 views

Does the deductible apply to each doctor's visit separately or are the costs cumulative over the year?

In a few months I'm switching to a health insurance plan with a $1,600 deductible. After the deductible is met, the plan pays everything, i.e. 0% coinsurance. As of now, I see a physical therapist ...
4
votes
1answer
147 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
183 views

Should I pick a company paid premium or company paid deductible health insurance plan?

I am switching companies in a month. Here is my current health insurance and here are my two options for when I switch (Note that I have a wife and infant child): Current: Shared premiums at $310 ...
4
votes
1answer
129 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
1answer
18k 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
4answers
13k 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
265 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
54 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 ...