Health Insurance

I had a procedure at an in-network hospital, but afterward got a bill for the anesthesiologist who was out-of-network. I thought I was covered! How can an in-ne…

I just graduated college and have to pick my own health insurance for the first time. I'm completely lost on the terminology. Can someone explain deductible, co…

Had emergency surgery at out-of-network hospital. Insurance paid $8k, I owe $15k balance. I had no choice in emergency! Isn't this supposed to be protected?

Got bill from anesthesiologist for $4k after surgery at in-network hospital. Didn't know anesthesiologist was out-of-network. Isn't there a law against this now…

Family of 4, income $98k. If I earn just $1,000 more ($99k), we lose all ACA subsidies and premiums jump from $250 to $1,200/month. How do I avoid this cliff? W…

Heart attack, took ambulance to ER. Now bill for $3,200. Insurance paid nothing saying 'not participating provider'. Don't ambulances have to be covered?

Open enrollment is confusing me. Plan A: $500 deductible, $4,000 out-of-pocket max, $350/month premium. Plan B: $3,000 deductible, $6,000 out-of-pocket max, $18…

Lost job 45 days ago. Just diagnosed with serious condition needing $15k surgery. Can I still elect COBRA retroactively to cover this? Or is it considered pre-e…

Doctor ordered MRI for ongoing pain. Insurance denied saying 'not medically necessary - try physical therapy first'. Can doctor override? How do I appeal?

I have Type 1 diabetes and change jobs occasionally. Before ACA I was uninsurable in the individual market. What's actually protecting me now? Can insurance com…

HSA is tax-deductible going in, grows tax-free, and withdrawals for medical tax-free. This seems like best retirement account. Why doesn't everyone max HSA firs…

Hospital billed me $2,000. Insurance EOB shows negotiated rate of $800, I owe 20% coinsurance ($160) plus $440 toward deductible = $600 total. Hospital won't ac…

Had surgery at in-network hospital but anesthesiologist was out-of-network. Now stuck with $8,000 bill. How do I fight this? Thought the No Surprises Act was su…

Family plan: $6k family deductible, $2k individual. Does this mean each person pays $2k or we collectively pay $6k total? So confusing!

Got laid off last week. HR said I can keep my employer plan through COBRA but pay full premium - $1,450/month for family coverage. Or I can shop marketplace. I'…

Lost my job last week. COBRA quote is $1,850/month for family of 4. That's insane. Looking at ACA marketplace but worried about coverage gaps and networks. What…

Between jobs for 6 months. Short-term insurance is $150/month vs COBRA $850/month. Seems too good to be true. Does it actually cover major medical expenses?

My deductible is $3,000. Does that mean I pay 100% of everything until I hit $3k, then insurance pays 100%? Or is there coinsurance after deductible? So confuse…

Hit my $8,500 out-of-pocket max in June. Still getting bills in October with balance owed. Thought insurance pays 100% after OOP max? What am I missing?

I'm self-employed with variable income. Some years I make $45k, some years $75k. I've been told I qualify for ACA subsidies but I'm confused how the premium tax…