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Q. I dropped out of my employer-sponsored health insurance plan last year when I was 60 and facing a premium increase that would take more than one-third of my salary.

Q. My 28-year-old daughter has been living and working in Japan for seven years. She pays taxes there but also files U.S. income tax. She is required to have health insurance in Japan and does so.

Q. If you’re buying health insurance, and you don’t qualify for a subsidy, do you have to wait until the federal government website,, is working?

Q. Isn’t the penalty for opting out $95 OR 1% of income? If true, wouldn’t someone with a $20,000 income be fined $200? And someone earning $30,000 would be fined $300? In other words, isn’t everyone who opts out going to face a penalty much greater than $95?

Q. I am getting a small pension from a previous employer plus making a very modest salary in my new job. To calculate my total income under the Affordable Care Act, do I need to include the pension or just my current salary?

Q. If a person who buys health insurance on the exchange gets a $200 subsidy on a $400 premium, where does the other $200 go? Is it added to the national deficit?

Affordable Care Act specifically offers dental care for kids, although it is not mandatory

Q. If I will no longer be offered employer-based insurance starting Jan. 1, 2014 but will have insurance coverage up to Dec. 31, 2013, can I qualify for tax credits using the marketplace if I sign up in the next two months? Is there time limit to be without employer-based insurance in order to qualify for the tax credits in the marketplace?

Q. Margaret Brinsko of Charlotte is employed as a business analyst, is paid hourly and does not receive any benefits provided to salaried employees. She buys medical insurance through her consulting firm and pays the entire premium with no employer assistance. “The policy is expensive, has high deductables and covers little. If anything serious happens to me, I will be deeply in debt. This policy was ‘grandfathered’ and falls woefully short in terms of protection. Am I eligible to buy insurance on the exchange?”

Q. What does 400% of poverty level mean for a single person?

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Health Care FAQ
The latest news about the new health care law and how it affects you.