About Health Insurance

Whomever files for a dependent is responsible for their coverage and will owe the fee if the dependent doesn’t obtain and maintain coverage or an exemption.

You’ll need to renew your health plan each year, even if it’s on auto-renew you’ll want to check the plan benefits and cost assistance amounts.

Owning a home and other assets don’t affect ObamaCare subsidies or Medicaid. Those are both based on household income.

Typically you can’t change a health plan after enrolling, however on ObamaCare’s Marketplace plans you can adjust the amount of cost assistance you get.

If you enroll and then don’t pay your premium and get cancelled you don’t qualify for special enrollment. One of the only events that doesn’t qualify you for special enrollment if failure to pay.

Short term and travel insurance are sold by private companies, they don’t count as coverage under the ACA, but if you’ll have a less than three month gap you won’t owe a fee.

TRICARE is government run healthcare, the benefits being a lack of middlemen. ACA is quasi-private (private insurers and public subsidies) plus expanding public Medicaid.

All necessary treatments are covered under all major medical insurances up to an allowed amount. Number of treatments may be limited and are subject to cost sharing.

Private care providers can refuse non-emergency care, public hospitals can’t. Insurers can refuse to pay claims after 30 days of non-payment of premiums.

When you move whether or not you keep your coverage depends upon your plan type and if you have more than one residence.

When you move back to the US use the 330 day presence test to claim an exemption the 12 months before you move back, then use special enrollment to make sure you are enrolled in a plan

When you move you’ll switch your coverage at that point using special enrollment, don’t enroll in the new state until you are ready to move.

An employee can reject employer health coverage, but can’t get cost assistance on the Marketplace if coverage is offered. The employer mandate only applies to employer responsibility

If a child has been a citizen for more than 5 years, they may qualify for CHIP based on income. If a family member has access to the Marketplace they can join a family plan

Your insurer uses a drug schedule (drug formulary) to determine what tier a drug is on and it’s price. They can change these without notice.

Every legal US resident is eligible for health insurance, either through ObamaCare or private coverage. However, cost assistance is based on income.

Meridian health insurance is a physician-owned and operated group of health plans and companies. They service Medicare and Medicaid in low-resource environments. In some states, in some regions, they really let insurers (of all types public and private) get away with some B-S. Essentially the insurer is offering a network that is so tight that your coverage becomes lackluster (to be fair you coverage was also probably cheaper than other offers)

You can switch between health plans, including ObamaCare, but you’ll lose your cost sharing. Also claims made during coverage gaps could be denied.

You can’t retroactively sign up for any health insurance type aside from Medicaid.

Anyone in the US can go the hospital without insurance. In an emergency anyone will be treated, but without insurance you may be billed full price.

Health insurance is required for students and is based on household income. The person who files a tax return takes on the responsibility for the fee.

Health insurance premiums aren’t regulated, they are just subsidized based on income, but cost sharing and benefits are regulated by the ACA.

If you know your going to move, get a multi-state health plan. If you don’t have a multi-state plan moving qualifies you for special enrollment.

If someone is in the middle of treatment they can avoid a gap in coverage by enrolling special enrollment at HealthCare.Gov.