By Michelle Andrews
For people whose income changes shift them above or below the Medicaid threshold during the year, navigating their health insurance coverage can be confusing.
Ditto for lower income people who live in states that may expand Medicaid this year.
Under the health law, states can expand Medicaid coverage to adults with incomes up to 138 percent of the federal poverty level (about $16,000 for an individual). Thirty states and the District of Columbia have done so.
This week I answered three questions from readers about how Medicaid interacts with plans on the health insurance marketplaces.
Q. In my state, if my income drops below 138 percent of the federal poverty level, I have to drop my marketplace plan and sign up for Medicaid. But if my income increases and I become eligible for a marketplace plan again, what happens to any payments I’ve made toward the deductible and out-of-pocket maximum for that plan? Do they reset to zero so I have to start all over again? Continue reading