Ryan Kennelly
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What is Out-of-pocket Maximum?
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. T...
If a consumer is enrolled in Medicare Part A, is he or she able to drop the coverage to enroll in Marketplace coverage with or without financial assistance?
If a consumer is eligible for or enrolled in premium-free Medicare Part A he or she is not eligible to receive advance payments of the premium tax credit (APTC) or income-based cost-sharing reducti...
My Aetna plan is being discontinued, will Aetna automatically enroll me in a new plan?
Members need to re-enroll each year. An active member’s end date is always December 31 of the current year. If Aetna map a member to a similar plan, they would be automatically enrolled for the ne...
Can I Get an HSA If I Have Other Insurance That Pays Medical Bills?
You are only allowed to have auto, dental, vision, disability and long-term care insurance at the same time as an HDHP. You may also have coverage for a specific disease or illness as long as it pa...
Does my Income Affect my HSA Eligibility?
There are no income limits that affect HSA eligibility. However, if you qualify for reduced cost sharing, you may not be eligible to make contributions to an HSA. So if you haven't finalized your p...
How Much Can I Contribute Annually to an HSA?
For 2026, the maximum annual HSA contribution is $4,400 for self-only coverage and $8,750 for family coverage. For 2027, the limits rise to $4,500 for self-only coverage and $9,000 for family cove...
How do I set up recurring payments with my Aetna plan?
Setting up recurring payments help prevent members from forgetting to pay their premiums and losing their coverage. Aetna members can do this when they make their binder payment at the time of ap...
I Would Like to Roll Money From a 401K and 457 Account From My Previous Employer Into a New HSA as My One Time Rollover. Do I have to Put It Into an IRA first? Could I Make a Quick Turn Around?
Transfers from an IRA are allowed from 2007 onward. Only one transfer from an IRA to an HSA is allowed, and the transferred amount cannot exceed the maximum annual contribution to the HSA for the y...
My Employer Offers an FSA, Can I Have Both an FSA and an HSA?
You can have both types of accounts, but only under certain circumstances. General Flexible Spending Arrangements (FSAs) will probably make you ineligible for an HSA. If your employer offers a “lim...
I Don't Have Children, am I Required to Purchase a Child Dental Plan?
If you shop off-exchange, pediatric dental is required. If you purchase an off-exchange plan, the carrier must be “reasonably assured” that you have exchange-certified pediatric dental coverage in ...