Margaret and Jeremy Tinsman were, so they thought in the prime of their life. Ma
ID: 237601 • Letter: M
Question
Margaret and Jeremy Tinsman were, so they thought in the prime of their life. Margaret was a homemaker and Jeremy was a successful used care salesman. Both were covered under a group healthcare plan through Jeremy's employer. At 53, Jeremy had a debiliatating stroke, which left him completely paralyzed on his left side and unable to speak. Subsequently, Jeremy had to quit his job. What options are open to Margaret and Jeremy as far as health insurance in concerned? What role, if any, do HIPAA and the Affordable Care Act play in this scenario?
Explanation / Answer
The options that are open to Margaret and Jeremy as far as health insurance is concerned to include the use of Title I of HIPAA which protects health insurance coverage for workers and their families when they change or lose their jobs. The second option is the availing of the ACA, Medicaid which is extended to nearly all low-income individuals with incomes at or below 138 percent of poverty ($28,180 for a family of three in 2017)