Frequently-asked questions about health insurance

Our insurance experts answer the questions our readers ask most.

My wife and I each make about $40,000 a year. If we file our taxes separately, can we each qualify for an exchange subsidy?

My wife and I each make about $40,000 a year. If we file our taxes separately, can we each qualify for an exchange subsidy?

January 3, 2019 – Q. My wife and I each make about $40,000/year. If we file our taxes separately, can we each qualify for an exchange subsidy? A. No. … Read more

I was laid off and don’t have any income. Am I still required to sign up during open enrollment?

I was laid off and don’t have any income. Am I still required to sign up during open enrollment?

December 19, 2018 – Q. I was laid off right before open enrollment ended, and now do not have any income/insurance. Am I still required to sign up for… Read more

If someone decides not to buy health insurance and is injured in accident, what happens?

If someone decides not to buy health insurance and is injured in accident, what happens?

December 19, 2018 – Q: If a person opts out of buying insurance, gets in an accident and goes to hospital emergency room – what happens? A: When a… Read more

Two pill bottles comparing the drug discount plan and drug insurance

What’s the difference between prescription discount plans and prescription drug insurance?

December 18, 2018 – Q: What’s the difference between prescription discount plans and prescription drug insurance? A: There are two basic and very… Read more

How is vision care covered under Obamacare?

How is vision care covered under Obamacare?

December 18, 2018 – Q: How is vision care covered under the Affordable Care Act? A: The Affordable Care Act requires coverage for pediatric vision care as one… Read more

Frequently-asked questions on health insurance

Have employers dropped spouses from employer-sponsored plans because of Obamacare?

December 18, 2018 – Q. I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true? A. Obamacare increased… Read more

Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and how much you pay for the coverage.

What’s the difference between dental insurance and dental discount plans?

December 18, 2018 – Q: What’s the difference between dental insurance and dental discount plans? A: They can both be useful in terms of reducing your… Read more

Do all health insurance plans cover maternity?

Do all health insurance plans cover maternity?

December 17, 2018 – Q: Do all health insurance plans cover maternity? A: Nearly all plan cover maternity. Since January 2014, the ACA has required all newly… Read more

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know?

If I decline my employer-sponsored plan and try to get a subsidized exchange plan, will the IRS know?

December 17, 2018 – Q. If I decline by employer-sponsored health plan and apply through the exchange instead - and try to get a premium subsidy - would the… Read more

Woman at computer with boss pointing trying to figure out if she can buy own insurance instead of employer plan

My employer offers insurance, but I think it’s too expensive. Can I apply for a subsidy to help me buy my own insurance?

December 16, 2018 – Q: My employer offers insurance, but I think it's too expensive. Can I apply for a subsidy to help me buy my own insurance? A: Probably… Read more

Are child-only policies available through the exchanges?

Are child-only policies available through the exchanges?

December 15, 2018 – You can purchase a child-only policy for your daughter, either in the exchange or off-exchange. If you qualify for a subsidy to help pay… Read more

If I have access to health insurance, can my husband’s company deny me coverage?

If I have access to health insurance, can my husband’s company deny me coverage?

December 15, 2018 – The ACA requires employers with 50 or more workers to offer coverage to employees and their children (until age 26), but not spouses. But… Read more