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Lisa Zamosky

Lisa ZamoskyLisa Zamosky

WebMD Health Reform Expert

Health Reform
Health Insurance, Health Care and Consumer Affairs

924 Answers25 Followers5 Best Answers2,333 Helpful Answer Votes


Lisa Zamosky is a WebMD Health Reform Expert and author of Healthcare, Insurance and You: The Savvy Consumer’s Guide. She is a healthcare journalist who has been writing about how to access and pay for healthcare for more than 10 years. Zamosky is a consumer health columnist for the Los Angeles Times and a correspondent for two news services of the California Healthcare Foundation. Her work has been published in Reuters, Kaiser Health News, MSNBC,, the Chicago Tribune, and Baltimore Sun, among other publications. Zamosky previously spent a decade working in the healthcare industry, during which time she developed benefit plans for Fortune 500 companies and state governments, and oversaw provider network operations for several states throughout the Northeast for one of the country’s largest health insurance companies.

Blog: Health Reform 101



My Answers

A. You can look for a licensed insurance agent who can help you select a plan at no additional cost at the National Association of Underwriters web...
A. Sounds like you will qualify for a subsidy if you buy insurance through the Marketplace. If your company is closing it's likely that COBRA...
A. Go to and click on: to find personalized help in your area.
A. If you're in the country legally, yes, you can apply for coverage on the Exchange and receive a subsidy if your income qualifies you.
A. No. You must purchase a major medical plan in order to be considered covered. Accident only insurance is supplemental coverage, not major medical.
A. If you are already covered by Medicaid then you need not do anything.
A. You won't be penalized if you are without coverage for no more than 3 months out of the year. But you can sign up for Medicare within three months of...
A. You need to review each of the plans' drug formularies, or list of covered drugs, to find one that meets your specific needs.
A. You need to shop the plans on your state's Exchange and select based on the combination of price and benefits that matter to you. If you need...
A. I highly recommend you talk with someone at your local State Health Insurance Assistance Programs for free, unbiased help. Find your local program by...
A. Any insurer that raises rates more than 10% will have to justify that increase under the law. In some states insurance departments can deny insurers...
A. Some plans may cover things like chiropractics, but generally naturopathic medicine is not covered by major medical insurance policies.
A. Medicare isn’t part of the Health Insurance Marketplace, so you don’t need to make any changes. If you have Medicare, you are considered covered.
A. Go to and to the following part of the website to get personlized assistance:
A. Yes. Go to to see your options.