Frequently-asked questions by tag

employer-sponsored benefits

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

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

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

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

Will every business with more than 50 employees pay a penalty if they don’t offer ‘affordable, comprehensive’ insurance?

Does every business with 50 or more employees pay a penalty if it doesn’t offer ‘affordable, comprehensive’ insurance?

January 9, 2018 – Q. Does every business with more than 50 employees pay a penalty if they don’t offer "affordable, comprehensive" insurance? A.… Read more

Are employers required by the Affordable Care Act to purchase group insurance for their employees?

Are employers required by the Affordable Care Act to purchase group insurance for their employees?

January 8, 2018 – Q: Are employers required by the Affordable Care Act to purchase group insurance for their employees? A: Yes, depending on their size.… Read more

Will my father’s premiums go up if I get coverage through his plan instead of my university’s plan?

January 3, 2018 – Q. I’m 24 and a graduate student. I can get health coverage through my university, but my father has an excellent plan at work, and he… Read more

I work part-time. Am I eligible for a premium subsidy to help me buy insurance?

I work part-time. Am I eligible for a premium subsidy to help me buy insurance?

October 6, 2017 – Q: I work part-time. Will I be eligible for a premium subsidy to help me buy insurance? A: Your eligibility for a premium subsidy isn't… Read more

Two student shadows on brick questioning health policies about birth control

Do student health policies have to cover birth control without co-pays?

June 8, 2017 – Q. Do student health policies have to cover birth control without co-pays? A. Yes. Policies that began on or after August 1, 2012, are… Read more

Man with beard explaining employer-sponsored health insurance to a woman

How do the health insurance exchanges affect me if I already have insurance from my employer?

March 29, 2017 – Q: How will the health insurance exchanges affect me if I already have insurance from my employer? A: The marketplace in each state… Read more

Does the Affordable Care Act make it easier to get individual health insurance?

Does the Affordable Care Act make it easier to get individual health insurance?

June 18, 2016 – Q: Does the Affordable Care Act make it easier to get individual health insurance? A: Yes, in several ways, it's easier to get… Read more

If I turn down my employers’ offer of insurance and then am in an accident, don’t I have a right to sign up for coverage?

April 3, 2016 – Q. If I turn down my employers' offer of insurance and then am in an accident, don't I have a right to sign up for coverage? A: No. You… Read more