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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(This group currently has 24 experts available to answer questions)

Questions asked to this group

i think i purchased fake health plan

Good afternoon, dear expert! My name is Shuuder Sharavsengee and i'm an international student here. Every international student needs to have health insurance and my school insurance told me their plan was around 2,000$ until August. They told me i can waive the insurance if i have another health insurance which should meet certain requirements. I thought its pretty pricey and bought health insurance from "isoa.org". However, i heard there are lots of fake health insurance plan. How can i know this website is safe? Thank you

Arlington County Virginia Posted about 1 month ago

insurance dilemma

I am currently pregnant. My birthday is in May, and I will turn 26. Baby is due in Feb/March. My parents insurance will NOT cover the baby after the hospital visit. So my boss has enrolled me and paid for the premium in the marketplace (with caresource) starting January for both my husband & I, and so I can add our baby once she is here. Now, my parents could not REMOVE me early from their policy without being penalized and paying even more for my sister until I age out, which again is in may. So my name will remain on the policy until then. NOW, should I began just using ONLY the caresource from marketplace as my primary come January since it is in my name? Or do I use both, as a primary and secondary until may comes just for myself? With this benefit me or disadvantage me???

Cuyahoga County Ohio Posted 3 months ago

Health care

I am 22 years old, recently married and in college. My father kicked me off his health plan. I do not want insurance because I do not really want it right now nor do I want any extra payments that I cannot afford. So my question is how can I get around the health care penalty, without getting coverage? We all know this law is unconstitutional and not what this country was founded on. All this does is put college kids like me in a tough spot when trying to go to school and pay for books and room and board when your parents kick you off because you no longer live with them and married. So with that being said, what are my options.

Ohio personal finance health insurance Posted 7 months ago

Fungi on Corkscrew Willow

I have a 15 year old cork screw willow that has developed several shelf-like mushrooms growing up the trunk of the tree. I have done a bit of research that leads me to believe this is a sign my tree may be dying from rot on the inside. Is this true? Is there a possible say to save the tree?

Webster County Iowa Posted 7 months ago

Arborvitae Trees

I noticed this not in the gardening section....please disregard this questions. Sorry for the mix up

Hello, I planted a few arborvitae trees last year and was looking at them in some detail today and noticed the tips looked a little different. I was wondering if this is normal during new growth or if something is going on that I'm not aware of. Any info you can provide is greatly appreciated.

Isabella County Michigan Posted 11 months ago

26 year old

Hi. I lost your last response. This site informed me that my son, who turned 26 in January, can stay on the healthcare from my employer for the entire calendar year. Now my employer tells me that is optional and they choose not to honor that. Help. Are they right?

Ingham County Michigan Posted 11 months ago


In regards to Healthy Michigan eligibility, is it proper for the DHHS to include the full amount of an inherited annuity payment, counting it as unearned income, when only the interest or dividend (the taxable) portion, is considered as income under IRS rules? Would this not be in non-compliance with the MAGI eligibility guidelines?

Oceana County Michigan Posted about 1 year ago

Hi! My husband and I are both turning 26 in the coming months and are going...

Hi! My husband and I are both turning 26 in the coming months and are going to be kicked off our parents' insurance plans. I am a part time teacher earning 36,000 a year and my husband is a student. I can get insurance from my school district. For just me the price is reasonable at 100 dollars a month premium. This is well under the 9.5% of income. However, when I add my husband to the plan (he cannot get insurance from his work), it jumps up to $467 a month which is well beyond that limit. However, because it is affordable for just me, and because it is technically offered for him (even though not at a reasonable price), I don't qualify for government subsidies? We can go through the marketplace but the cheapest is still $216 a month for bare bones catastrophic insurance. Is this our best option? I feel like we should be able to qualify for subsidies. Another choice if for me to take the insurance from my school and for my husband to get covered through the marketplace. Would he qualify for subsidies even though he has the option to be covered by my plan? Thanks!

Hennepin County Minnesota Posted about 1 year ago

Unemployed and 26

My son's roommate kicked him out and, rather than be homeless, I am letting him live with me. He does not work, is on social security disability and turns 26 on January 28, 2016 so can no longer be on my health plan. Is there a real person that can meet with him or does he have to figure things out related to the ACA on his own on line?

Ingham County Michigan Posted over 1 year ago

Red maple sapling

When should I plant and di I need to add anything to soil

South Carolina trees and shrubs horticulture Posted over 1 year ago