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Health Unsurance Health insurance answers plain and simple -- Menu Skip to content Home Ask a Question Health Reform/ Affordable Care Act When Insurers Say No Children Individual Elders About Search for: Farewell Health Unsurance readers! March 3, 2015 Health Reform/ Affordable Care Act By Linda Riddell Thank you Health Unsurance readers, supporters, and tweeters. I have greatly enjoyed doing this blog for three and a half years, but now need to serve the world in different ways. I’ll continue to blog twice a month (or so) at Sickonomics, commenting on a health care topic. You are welcome to join me there! […] Finding affordable plans in Los Angeles February 9, 2015 Health Reform/ Affordable Care Act , Individual health reform , Medicaid , Obamacare , subsidies By Linda Riddell How can I find quality and affordable health care/insurance in Los Angeles? I’m thinking about applying for Medi-Cal and the only options for LA County are Health Net and the LA Care Plan. However, many reviews of Health Net and the LA Care Plan are negative. What do I do? California Girl Dear California Girl, […] Joined Medicare, hubby lost subsidy February 2, 2015 Elders , Health Reform/ Affordable Care Act , Individual , Spouse By Linda Riddell I can’t find this anywhere so please help. I am retired as is my wife. Under ACA medical care we have a AGI of $48000 and am currently getting a healthcare credit for ACA of $475. This year I will turn 65 and go on Medicare. That means I will be on Medicare and my […] Pre-existing conditions covered no matter where you buy the plan January 30, 2015 Health Reform/ Affordable Care Act , Individual , When Insurers Say No health reform , Obamacare , pre-existing conditions By Linda Riddell If you buy a health insurance plan directly from the insurance company rather than through the state insurance exchange, are you still covered for pre-existing conditions as per the Affordable Care Act? Considering Options Dear Considering Options, Where you buy your health insurance plan does not matter, as long as you are buying a “qualified […] Uninsured in the U.S. – options to consider January 27, 2015 Health Reform/ Affordable Care Act , Individual , Uninsured charity care , going without health insurance , health reform , Medicaid , Medicare , Obamacare , uninsured By Linda Riddell What does it feel like to be uninsured in the United States? Wondering Dear Wondering, ome uninsured people barely notice that they do not have health insurance. They do not worry about needing medical care, or they figure that some government program, or a payment plan with the doctor or hospital will work out. Uninsured […] Have green card, but no health plan January 26, 2015 Elders , Health Reform/ Affordable Care Act , Individual health reform , Medicaid , Medicare , Obamacare , subsidies By Linda Riddell Is there a way for 80-year-old Indian citizens who are U.S. green card holders to get health insurance under the Affordable Care Act? Here To Stay Dear Here To Stay, Yes, there is. It’s a matter of which plan you qualify for. If you did not pay any Medicare taxes during your working career, then […] ACA: 9.5% of income cap does not always apply January 21, 2015 Employer-sponsored plans , Health Reform/ Affordable Care Act health reform , Obamacare , subsidies By Linda Riddell Under the Affordable Care Act, a person can pay up to 9.5% of his income for his health insurance. Are there situations where a person has to spend more than that to get coverage that qualifies? Budget Betty Dear Budget Betty, Yes, there are. First, let’s explain that the 9.5% maximum applies to you if […] HSA can pay for out-of-country care January 20, 2015 Individual , Patient Matters , When Insurers Say No By Linda Riddell Under what circumstances am I allowed to pay my international medical bill from my HSA? Nomad Dear Nomad As long as the medical care is covered, you can be reimbursed from your Health Savings Account. (See IRS Publication #502 for a list of covered medical items.) Of course, you cannot claim HSA funds for something […] Comparing an HSA to an HRA January 19, 2015 Employer-sponsored plans , Weird Words comparing health plans , Health Savings Accounts , high deductible plan , small business By Linda Riddell Should I choose an HSA or an HRA plan? I’m very new to this insurance stuff. I want to pay less out of pocket each month but still have good coverage when I need it. Betwixt and Between Dear Betwixt and Between, In order to qualify for a Health Savings Account (HSA), you must enroll […] Free rent may be “kick back” from insurance broker January 16, 2015 Employer-sponsored plans , Weird Words By Linda Riddell Can an insurance broker pay the rent for a company and in return get their health benefits business? I know of a situation where this is happening. Whistle Blower Wannabe Dear Whistle Blower Wannabe, The insurance broker is prohibited from inducing a client to buy a product — that is, paying the client what amounts […] Posts navigation ← Older posts Linda Riddell A published author and health policy analyst with 25 years’ experience, Linda Riddell's goal is to alleviate the widespread ailment of not knowing what your health plan can do for you. Follow @l_riddell About the Author The New England Health Advisory Write in your questions and the answer may appear in a future post. 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