Fears of a Clown asked:


If there’s no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer. I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.

Stephen J asked:


I recently graudated from college and will be moving to a different city for a job, one that my parents don’t live in.

I really had thought about it, but my roomate said something and so I need an answer.

Will I still be on my parents insurance, even though I graduated and live in different city? I am 21, and my parents plan on keeping me on their plan, but the insurance company won’t make me get my own seperate plan, will they?

I didn’t think they would, but my roomate wondered why I was still allowed on my parents insurance as of now.
I will be staying in state.

I just purchased a used vechile. So on Monday I will call to tell them of that, so they can put it on the insurance and then say that it will be used primarily in Houston, not Lubbock. This will obviously make my rate go up somewhat, I just don’t want them to tell me I have to get my own plan or my rates will significantly go up.
#2 answer.

I don’t know if that applies with my insurance/state. My brother is currently in school, but he is 24 and still on my parents insurance.

I figure I will lie to the insurance company tell them I am going to go to school down there next semester, if I have to, and just wait until August to get a really good deal.

It’s not that I cant afford it, but if I can stay on my parents plan and save a $100 a month, I’m going to try.

mona asked:


I own a business (LLC) with two other people. It is only us three; we do not have any additional employees. We pay for our health insurance through our business. Based on these facts, I was wondering how much I stand to save on my personal taxes. Is this a standard write off like any other business expense or does the IRS treat health insurance differently?

cj asked:


If Im 17 and have my license, can I drive my friends car with insurance? or do I have to also have it?

Joe S asked:


about how much does it cost to insure a new driver?

-16 yrs old
-female
-3.8 gpa
1993 toyota corolla, excellent credit exactly what it is not sure. if it makes a differents, parents have a clean driving record, no tickets or acciedents

PJay asked:


I’m wanting to put life insurance on my son’s father. He is my beneficiary and I just feel that it is necessary for us to have this! Ive been searching the internet and I cant seem to find what I’m looking for. Does anyone have a suggestion on which company I should use or how I need to go about this… I got my insurance through my job so I really don’t know how to go about getting life insurance on someone else!

johma513 asked:


As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

Nathan asked:


Under Obama’s health plan, insurance can’t be refused because of a pre existing condition (at least that’s what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?

TLi asked:


Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup if they are bound to pay back an amount that is at least equal to the total amount paid?

I have tried to do some research on my own, but I still can’t seem to fully understand this matter. Any help will be greatly appreciated!

bubble gum asked:


isnt an insurance company suppose to cover your car regradless the person driving it? well my boyfriend was driving my car-just bought-brand new car- and got into an accident. Now my insurance company denied my claim cause they say he wasnt under the insurance. but should my car be cover regradless if the person driving wasnt? I mean I pay monthly payments and then they are just gonna deny me after an accident. could anyone help me? any advice?