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Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

Are qualifying events and special enrollment periods the same as they were in 2014?

Are qualifying events and special enrollment periods the same as they were in 2014? Read answer

To what extent is Obamacare actually a ‘job killer?’

To what extent is Obamacare actually a ‘job killer?’ Read answer

I have insurance through my husband’s employer, so I don’t need my employer’s coverage. But my company said I have to work fewer than 30 hours a week so that I’m not considered full time. Can I just waive my employer’s coverage if they let me work full time?

I have insurance through my husband’s employer, so I don’t need my employer’s coverage. But my company said I have to work fewer than 30 hours a week so that I’m not considered full time. Can I just waive my employer’s coverage if they let me work full time? Read answer

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment?

My son is covered on my employer’s policy through July 31. Can he enroll in a new plan starting on August 1, or did he need to have purchased a plan during open enrollment? Read answer

If I already enrolled in a plan for 2015, can I change my mind and pick a different plan instead?

If I already enrolled in a plan for 2015, can I change my mind and pick a different plan instead? Read answer

If I qualify for Medicaid, should I worry about the February 15 deadline for open enrollment?

If I qualify for Medicaid, should I worry about the February 15 deadline for open enrollment? Read answer

I already have great employer-sponsored health insurance that covers my pre-existing conditions. So how does Obamacare help me?

I already have great employer-sponsored health insurance that covers my pre-existing conditions. So how does Obamacare help me? Read answer

Is it true that Obamacare’s preventive care mandates only help women?

Is it true that Obamacare’s preventive care mandates only help women? Read answer

I’m retired and on Medicare. Are my benefits getting cut to pay for all the newly insured younger people?

I’m retired and on Medicare. Are my benefits getting cut to pay for all the newly insured younger people? Read answer

I’ve heard that the government won’t really be able to enforce the penalty for not having health insurance. Is this true?

I’ve heard that the government won’t really be able to enforce the penalty for not having health insurance. Is this true? Read answer