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Dear Addy Corner

Dear Addy: Individual Mandate

January 27, 2014

Dear Addy, My daughter with von Willebrand disease has health insurance but I don鈥檛 have health insurance for myself. What will happen if I decide not to purchase any? Coverage Unsure ____________________________ Dear Unsure, The deadline to purchase insurance without facing a penalty is March 31, 2014. Because of the individual mandate under the Affordable […]

Dear Addy: Washington Days

January 13, 2014

                Dear Addy, I am going to NHF鈥檚 Washington Days and I have an opportunity to speak with my Congress person about hemophilia issues. I am worried I don鈥檛 know enough and that my Congress person will not take me seriously. How do I prepare for this meeting? […]

Dear Addy: Marketplace Deadlines

December 23, 2013

Dear Readers, Thank you for all the questions you have asked since the launch of Dear Addy in July of this year. Please keep them coming! HFA wants you to be able to make informed decisions about your health and the health of your family. To close out the year, I want to follow-up on […]

Dear Addy: Pre-Existing Condition Insurance Plan

December 9, 2013

Dear Addy, I have a young child with substantial medical costs. For the past couple of years I have spent 20-40% of my income on medical bills. Unfortunately my income is “too high” for Medicaid. I live in Texas and I currently have PCIP (pre-existing condition insurance plan) insurance which ends this month. What do […]

Dear Addy: Open Enrollment

November 26, 2013

Dear Addy, It is open health insurance enrollment time for my company. Do I still have to worry about qualifying for coverage because I have a pre-existing condition? Open Enrollment Jitters in Minnesota ___________________________ Dear Jitters, The cold in Minnesota should make you shake more than the issue of pre-existing conditions in 2014. Starting in […]

Dear Addy: Co-Pay

October 29, 2013

Dear Addy, I thought I had a good health insurance. I made sure the deductible was affordable and the monthly premium was within my budget. Unfortunately the co-pay for my medication is causing financial hardship. One dose of my medication arrives in four separate boxes and I have to pay separate $20 co-pays for EACH […]

Dear Addy: Private Exchange

September 30, 2013

  Dear Addy, I have health insurance through my employer. Next year my employer is giving me a lump sum each month to pay for health insurance on a 鈥減rivate exchange.鈥 What does that mean? Signed, Month-to-Month _________________________ Dear Month, Private exchanges are online marketplaces that allow employers to offer their employees a range of […]

Dear Addy: Marketplace Enrollment

September 23, 2013

Dear Addy, I am self-employed and need health insurance. When can I enroll in the Marketplace plans and when will this coverage start? ~Self-Employed 聽_____________________ Dear Self-Employed, You can apply for health insurance on the Health Insurance Marketplace when open enrollment starts on October 1, 2013. Coverage under Marketplace plans starts as soon as January […]

Dear Addy: Individual Mandate

September 16, 2013

Dear Addy, I just turned 27 and have lots of debt. Instead of purchasing health insurance, I would rather use the money I make to pay down what I owe. I have mild hemophilia and I have not had a bleed in a year. Do I still need to have health insurance under the new […]

Dear Addy: Essential Health Benefits

September 3, 2013

Dear Addy, I am worried that my employer will stop offering health insurance to save money and send me to the Marketplace to get coverage. Is this true and, if so, should I be worried about finding good coverage? Signed, Worried & Seeking Truth ________________________ Dear Worried, The answer to your first question is maybe, […]

Dear Addy: Employer-Sponsored Insurance

August 19, 2013

Dear Addy, I am confused about whether the Health Care Marketplace is right for me and my family. We have insurance through my work but it is not clear if I have to use the Marketplace to get coverage starting next year. Who is supposed to use the Marketplace? Signed, Confused-by-Options ___________________________ Dear Confused, The […]

Dear Addy: Deductible

August 5, 2013

Dear Addy, My health insurance premiums were $500/month, so I switched insurance plans during my company鈥檚 open enrollment period last year. Now I only pay $140/month. I have been very excited to have some extra cash each month but this has come at a big price. I need surgery on my injured leg, but can鈥檛 […]

Dear Addy: Marketplace

July 22, 2013

Dear Addy, I work for a small business. Health insurance through my company for my family costs $1,000 a month. At the end of the year the monthly premium will jump to $1,300 a month and we can鈥檛 afford to pay that much. On top of this, for emergency care and hospitalizations we have to […]


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