Readers Ask How Divorce, Student Status Will Affect Marketplace Applications
KHN’s consumer columnist reassures a consumer who is divorcing that subsidies can be based on new income projections, not what was earned jointly the year before and offers suggestions about what exchange out-of-state students should use.
Consumers Expecting Free ‘Preventive’ Care Sometimes Surprised By Charges
Patients sometimes find that they are expected to pay for associated services, such as facility fees or anesthesia, and health law advocates say more federal guidance is needed for billing the procedures.
A Reader Asks: Do Couples Have To Buy The Same Level Health Plan?
KHN’s consumer columnist reports family members can opt for separate plans and still qualify for premium subsidies, but they need to consider some other important details.
Health Law Adds Coverage For Services Needed By People With Developmental Disabilities
But advocates are concerned that insurers may find ways around the new requirements.
A Reader Asks: Will A Tax Lien Affect My Premium Tax Credit?
Experts tell KHN’s consumer columnist that it is unlikely a tax lien would mean consumers would have to repay the insurance subsidies.
Readers Ask: Are Premium Subsidies Permanent; Do I Have To Meet An Asset Test For Medicaid?
KHN’s consumer columnist answers questions about provisions of the health law.
A Reader Asks: If I Don’t Use All My Subsidy Credit, Will I Get It When I Do My Taxes?
You can take all the health law’s tax credit up front to pay your premium or wait until tax time to get it, KHN’s consumer columnist advises.
Despite Health Law’s Protections, Many Consumers May Be ‘Underinsured’
Experts say that potential trouble spots for out-of-pocket spending include prescription drugs; specialist care, including that provided by academic medical centers; and services such as physical therapy.
A Reader Asks: Will My Son Overseas Have To Buy A U.S. Plan?
KHN’s consumer columnist says if he lives abroad at least 330 days per year, he doesn’t, but he will eventually.
Consumer columnist reminds consumers that details make all the difference.
A Reader Asks: Can I Opt Out Of My Retiree Plan To Get Subsidized Insurance?
The health law treats retirees differently than workers getting insurance through their jobs.
Insurers Question Health Benefits Of Some Genetic Tests
When a test is covered, typically genetic counseling is, too — to make sure the patient is a good candidate and to explain the results.
What Happens If My Income Changes After I Receive An Insurance Subsidy?
KHN consumer columnist Michelle Andrews says a reader may have to repay some of the subsidy and describes how this would typically work.
Mental Health Parity Rule Clarifies Standards For Treatment Limits
Jennifer Mathis of the Bazelon Center for Mental Health Law talks with KHN’s consumer columnist.
Health Law May Offer Part-Time Workers Better Options
Many of these workers are not offered coverage through work and if they are it might be very limited.
A Reader Asks: Will International Students Be Eligible For Health Law’s Subsidized Coverage?
Anyone who is “lawfully present” in the United States may qualify for premium tax credits to help pay for health insurance.
Does The Insurer Have The Right To Cancel A Grandfathered Plan?
Yes, if they cancel everyone in a “block of business” that was buying a particular policy.
As open enrollment continues under the health law, insurance columnist answers questions about issues affecting readers.
Prevention Programs For People Without Insurance Still Play Key Role
Although the health law could expand coverage to millions, many low-income people and others will not have insurance and will still have to rely on these programs for preventive care.
A Reader Asks: Can Adult Children With An Offer Of Family Coverage Instead Get Subsidies?
The answer: Yes, if their parents have not claimed them as tax dependents.
