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Aaelogoavitar2_medium Health Insurance Literacy

This group answers questions relating to the Affordable Care Act and its effect on people's personal finances. We help people to make informed health insurance choices and to plan for health care costs.

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Questions asked to this group

How are health insurance "negotiated rates" negotiated?

Are "negotiated rates" negotiated on an insurer-by-insurer basis or a plan-by-plan basis? In other words, will two plans from the same insurer always pay the same negotiated rate for a given procedure at a given provider?

District of Columbia County District of Columbia health finance insurance health insurance affordable care act Posted about 1 month ago

Am I falling through the cracks in Michigan?

My Husband and I probably will not fall under Medicaid even with expansion because we have an income of 40,000 for two adults. We are not old enough for medicare since we are 56 and 57 years old and both working. Healthcare.gov experts told us our income would qualify us for subsidy in any other state, but Michigan did not buy into the Medicaid expansion therefore we cannot receive the subsidy but we will not be penalized for not enrolling for insurance. I thought as a Federally mandated program all citizens were required to carry health insurance. If Michigan expands Medicaid in March, will we then be eligible for a subsidy beginning in March? (and penalized if we don't have insurance coverage) Will March be too late for Michigan residents to apply for the subsidy because open enrollment for Healthcare.gov will be over? Are Michigan residents eligible for the tax deduction even though Michigan residents cannot take the subsidy? Coverage looks like it will cost a third of our income. Is there something available to Michigan residents that I am not aware of that covers people in our situation?

Ingham County Michigan insurance health insurance affordable care act medicaid Posted about 1 month ago

Help me get medical insurance

My husband has insurance but his work no longer pays for my insurance. I am 62 with a heart problem. I just inherited ten thousand dollars and want to go on Obamacare but can't because my husband makes too much money. He says he isn't going to pay for my health care with regular insurance that will cost $750. a month. Why can't I get Obamacare? Thanks ever so much.

Huron County Michigan health insurance affordable care act front page Posted about 1 month ago

On Medicare, do I need more for ACA?

I am on Medicare disability. Do I still need to get another affordable care plan for hardship case?

Michigan affordable care act medicare front page Posted 3 months ago

What if age=19 and not a dependent?

I'm the aunt of a 19 yr old boy, in college, who lives with his parents who do not claim him on their taxes. I want him to have insurance and I can pay for it, but his income is officially zero and he lives at home. Can he get health insurance at age 19, with zero income of his own? Please don't suggest his parents apply for a family plan because they simply can't afford it based on their household business income, and do NOT qualify for subsidies although they are struggling. Thanks.

New Castle County Delaware insurance health insurance affordable care act medicaid Posted 3 months ago

Is the ACA site safe for my social security number and credit card info?

Can the site be tampered with..?

Iosco County Michigan affordable care act front page Posted 3 months ago

Unemployment - Only income

What if I only earn unemployment for the next few months, what do I say is my income? Also If and when I get a job, do I just switch to their insurance should they offer it?

Oakland County Michigan insurance health insurance affordable care act medicaid Posted 3 months ago

Do I have to change health insurance?

I have an individual policy with BCBS for $377 a month. Do I have to change my policy?

Eaton County Michigan insurance health insurance affordable care act Posted 3 months ago

Medical insurance for young adult

I have a 19 old daughter. She is eligible to be on my insurance until she is 26 because she is in school. It costs me a lot. Is it possible for her to get basic health under the affordable care act?

Washtenaw County Michigan health finance insurance health insurance affordable care act front page Posted 3 months ago

Am I covered by an ACA policy if I need health care outside my state?

Most of the health insurance providers in policies for 25 year olds limit providers to local areas or at best to Michigan providers.  What happens if you are injured or sick on a trip out of state of move to another state for work mid-year?

Kent County Michigan insurance health insurance affordable care act front page Posted 3 months ago