Ryan Kennelly
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What is the Difference Between Composite Rates vs Age-Rated Rates?
Insurance companies have two methods for determining premiums: Age-rated rating and composite rating. In Age-rated rating, premiums are based on each member's individual risk level that include fac...
Medicare SEP for Moving: What You Need to Know
If you’re a Medicare beneficiary who’s recently moved, your coverage could be impacted. Fortunately, there is a Special Election Period (SEP) that addresses moving. So you can feel free to move abo...
What Are Medicare Part D IRMAA and Part B IRMAA?
Summary: The Affordable Care Act brought a lot of changes to the Medicare program, including a new Part D premium adjustment for people who reported higher incomes on their tax returns. The income-...
How to Calculate Your Modified Adjusted Gross Income
Your modified adjusted gross income (MAGI) determines your eligibility for important tax benefits, including whether you can deduct contributions to an individual retirement account (IRA) or contri...
Is Child Care HSA Eligible?
Child care is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) and limited care flexible spending account ...
What are the 2021 ACA Rate Increases by Health Plan and State?
Enroll in a 2021 Health Insurance Plan Most premium changes on the ACA marketplaces are modest heading into 2021, even with the uncertainty surrounding the pandemic. Most individual market insurers...
What does TrioMED cover?
TrioMED is three (trio, get it?) types of coverage in one plan. TrioMED provides benefits that help cover out-of-pocket costs associated with the things in life you can’t plan for, like accidents, ...
Can you enroll in a Medigap plan even if you have employer coverage at a large employer, just to be sure?
This would be a waste of money. A Medigap or Medicare Supplement plan cannot pay for anything unless Medicare is your primary insurance. The insurance company’s application will ask if you are sti...
Can my employer pay my Medicare Part B premium?
In terms of your employer actually writing a check for your Medicare Part B premiums when Social Security invoices you for Part B, generally no.However, employers can form a Section 105 Medical Rei...
Can I spend HSA dollars on my adult child on my plan?
While the Patient Protection and Affordable Care Act (ACA) allows parents to add their adult children (up to age 26) to their health plans, the IRS has not changed its definition of a dependent for...