The Ottumwa Courier

AP National

March 21, 2014

Q&A: Am I stuck in my job's costly health plan?

(Continued)

It gets a bit more complicated when your work coverage extends to a family member, like Carter's daughter. In Carter's case, she has to ask her employer how much insurance would cost her if only she were covered. If it's more than 9.5 percent of her income, she meets the test. Then she and her daughter should be able to move to a plan in the exchange. Based on her income, she should be able to find considerably cheaper coverage there.

In a family with adult children under 26, it may also be worth seeing how much separate policies would cost for parent and child, and whether the child might qualify for Medicaid coverage. These options are much more promising when the child is no longer a dependent on the parent's taxes. Also, Medicaid might only be an option in states that expanded the program. Georgia, for one, didn't.

Under the law, children up to 26 can stay on their family's coverage, so there's no need to split it up if it doesn't save money.

------

Associated Press writer Ricardo Alonso-Zaldivar contributed to this report.

------

Do you have your own questions about how the U.S. health care law affects you? Ask AP using the #APHealthCare hashtag on Twitter or by commenting under our Facebook or Google Plus posts on the topic:

Facebook: http://apne.ws/1eq5yMo

Google Plus: http://apne.ws/1geM3bI

Text Only
AP National
  • State Dept: 'No American is proud' of CIA tactics WASHINGTON (AP) — The State Department has endorsed the broad conclusions of a harshly critical Senate report on the CIA's interrogation and detention practices after the 9/11 attacks, a report that accuses the agency of brutally treating terror susp

    July 31, 2014

  • GOP: Lerner emails show bias against conservatives WASHINGTON (AP) — Congressional investigators say this is why they want all of Lois Lerner's emails. Newly released emails show the former IRS official referring to some right-wing Republicans as "crazies" and more, a revelation that is fueling GOP c

    July 31, 2014

  • Suing Obama: GOP-led House gives the go-ahead WASHINGTON (AP) — A sharply divided House approved a Republican plan Wednesday to launch a campaign-season lawsuit against President Barack Obama, accusing him of exceeding the bounds of his constitutional authority. Obama and other Democrats derided

    July 31, 2014

  • As US job market strengthens, many don't feel it WASHINGTON (AP) — The U.S. unemployment rate has plunged since the start of last year to a five-year low of 6.1 percent. And the July jobs report being released Friday will likely show a sixth straight month of healthy 200,000-plus gains. Yet for Do

    July 31, 2014

  • Senate likely to come up short on border bill WASHINGTON (AP) — A bill to deal with the immigration surge at the border appears headed for procedural defeat in the Senate as lawmakers trade blame over their inaction on the crisis. Days ahead of Congress' five-week summer recess, Senate Democrats

    July 30, 2014

  • House set to take up $17B VA overhaul bill WASHINGTON (AP) — With a new Veterans Affairs secretary in place and an August recess looming, Congress is likely to move quickly to approve a compromise bill to refurbish the VA and improve veterans' health care. The House could vote on the $17 bill

    July 30, 2014

  • Trafficking bust reveals worries over missing kids WASHINGTON (AP) — When FBI agents and police officers fanned out across the country last month in a weeklong effort to rescue child sex trafficking victims, they pulled minors as young as 11 from hotel rooms, truck stops and homes. Among the 168 juve

    July 30, 2014

  • The man responsible for Hilton's grand turnaround McLEAN, Va. (AP) — Nearly every weekend, Chris Nassetta is cooking in his family's oversized kitchen, outfitted with two commercial-grade refrigerators, three sinks and a deep fryer. These aren't small meals. Between his wife, six daughters, friends,

    July 30, 2014

  • What's a group selfie? Usie (pronounced uss-ee) NEW YORK (AP) — What do you call a group selfie? An usie, of course! As in "us." Pronounced uss-ee, rhymes with fussy. "Usies are a growing trend that I think have far more social value than selfies," said Michal Ann Strahilevitz, a professor of mark

    July 30, 2014

  • With Israel at war, US lawmakers give full support WASHINGTON (AP) — As the war in Gaza escalates, U.S. lawmakers are pressing the Obama administration to take no action that puts pressure on Israel to halt its military campaign against Hamas. Many even have criticized the administration's effort to

    July 29, 2014

Obituaries
Record
Facebook
AP National