New Online Markets For Small Businesses May Offer Some Workers Greater Choices
The SHOP exchanges are intended to make it easier for small businesses to offer their employees a variety of good plans, but that option is being delayed for a year in 33 states.
Supreme Court Decision On Same-Sex Marriage Leaves Many Couples Awaiting Federal Rules On Insurance
The recent ruling on the Defense of Marriage Act didn’t address question of tax implications for health care for couples who live in a state that doesn’t recognize marriages.
Many Consumers With High-Deductible Plans Are Concerned About Health Law Changes
Many policy holders are not aware that the plans, which generally have low premiums and can have high out-of-pocket costs, don’t meet the standards set in the health overhaul.
Benefits On Health Marketplace Plans Will Be Similar But Costs Will Vary
In response to readers’ questions, columnist explains that all policies offered on the online exchanges must cover 10 “essential health benefits,” but the plans will be classified according to the proportion of costs that consumers will be responsible for paying.
Patient Advocates Seek A Gentle Transition From High Risk Pools To New Exchange Plans
Many states had special programs to provide insurance to people with medical problems. Some of those programs will disappear after January when the federal health law offers guarantees of coverage.
A Handful Of State Marketplaces Opt Not To Charge Smokers More For Premiums
The health law allows insurers to charge smokers 50 percent higher premiums than nonsmokers but some states have decided not to allow that distinction in plans sold on the new online exchanges.
Tax Break Can Help With Health Coverage, But There’s A Catch
There are two kinds of financial help for people planning to enroll in the online health insurance marketplaces that will open this fall. One could put people at risk of having to pay some of the money back, while the other won’t. That’s one big difference between tax credits and subsidies, both of which are intended to […]
In Addition To Premium Credits, Health Law Offers Some Consumers Help Paying Deductibles And Co-Pays
Although much has been made about the tax credits that will help people afford to pay insurance premiums, the cost-sharing assistance can substantially reduce out-of-pocket medical expenses.
Federal Rule Extends Subsidies For College Students
Beginning in 2014, most people, including students, will have to have health insurance, whether or not they are claimed as a dependent on their parents’ tax returns. The federal health law says if they don’t, they or their parents will face penalties. While expansion of coverage under the health law has helped about 3 million young […]
Income — Not Assets — Will Determine Subsidies In Online Insurance Marketplaces
KHN’s insurance columnist answers readers’ questions about qualifying for help paying premiums under the health law and how student health plans will be treated.
With A Little Planning, Women Can Get Emergency Contraceptives For Free
Like other types of birth control, these medications are required to be covered as a preventive benefit without cost sharing in many health plans. But to do so, women must get a prescription for the soon-to-be over-the-counter pills.
Finding Answers About Health Coverage
With provisions of the health law kicking in, consumers are likely to have more questions. One of the biggest will be where to search for answers and assistance.
Federal Rule Allows Higher Out-Of-Pocket Spending For One Year
The health law sets maximum limits on what consumers are required to pay, but officials are giving a one-year grace period in certain cases.
Advocacy Group Seeks To Force Employers To Give Pregnancy Coverage To Dependents
The National Women’s Law Center files complaints with HHS alleging that five institutions discriminate against women by excluding pregnancy coverage from the health insurance benefits that they provide to employees’ daughters.
‘Will My Family Be Eligible For Subsidized Coverage?’
Health insurance columnist answers questions about coverage subsidies for families in the health law, Medigap and rules for workers whose companies operate in more than one state.
Coverage Gaps Can Hamper Access To Some Breast Cancer Screening, Care
Angelina Jolie’s announcement about her double mastectomy has raised interest in genetic testing. These expensive tests are generally covered for women with a family history, but other screenings and treatment needs may be limited by plans.
Some Individual Policies Offer A Way To Shrink Deductibles
Under these plans, if a policyholder’s health costs don’t exceed the deductible, that deductible is trimmed the following year. But consumer advocates warn this may discriminate against sick people and run afoul of the health law.
With High Deductible Health Plans, It Pays To Shop Around For Care
An increasing number of consumers have these plans with lower premiums, but they must cover the first $1,000, $5,000 or even $10,000 of care before insurance kicks in, providing an incentive to haggle with doctors and hospitals.
Coverage Problems Could Still Remain For Young Adults
Despite having access to parents’ health policies and new options provided by the health law, this age group faces challenges.
Health Law’s Medicaid Expansion And Online Marketplaces Offer Veterans New Care Options
Many former service members have access to health care through the VA, private insurance or other government programs, such as Medicare and Tricare. But having so many choices can also lead to fragmented care.
