Ryan Kennelly
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I’m Under 26. Should I Stay on My Parent’s Health Insurance Plan?
Young adults have more health insurance options than ever before! Having lots of choices is awesome, but it can also be overwhelming. This is especially true if you don’t have that much experience ...
Health Insurance Options for College Students
The fall semester is well underway and college students are hitting the books to prepare for tests, papers and extra credit. But there is one thing students may not have thought to prepare for — wh...
What Happens if I Go To an Out-of-Network Provider?
There may be times when you decide to receive care from an out-of-network doctor, hospital or other health care provider. Many health plans offer some level of out-of-network coverage, but many do ...
What are the 2019 Out-of-pocket Maximum Limits?
The Affordable Care Act requires non-grandfathered groups and individual plans to establish limits on member cost sharing for essential health benefits. These out-of-pocket maximum (OOPM) limits ar...
What Documents Do I Need to Show Proof I Moved During A Special Enrollment Period?
You need to send three forms of documentation: proof of where you lived before, where you live now, and proof that you had coverage before your move (within the last 60 days). You must send documen...
I Am Due For a Colonoscopy. Is it Covered?
For a colonoscopy, the preventative care coverage under the Affordable Care Act means that the doctor is covered. What about the exam center? Is it covered? What about any anesthesia and anesthes...
How Do Pre-Tax and After-Tax Contributions Affect My Subsidy?
Before-tax and tax deductible contributions (like to a traditional IRA) lower MAGI and increase subsidies. After-tax contributions lower MAGI on withdrawal (like the Roth IRA). HSA’s are tax free i...
What is Modified Adjusted Gross Income (MAGI)?
Modified Adjusted Gross Income (MAGI) is used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children's Health In...
What does Cost Sharing Reduction (CSR) Mean?
Cost Sharing Reduction is a discount that lowers the amount you have to pay for deductibles, copayments, and coinsurance. In the Health Insurance Marketplace, cost-sharing reductions are often call...
What is a Health Savings Account?
A health savings account is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP).The funds contributed to th...