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Ehealth Releases Top Health Insurance Tax Tips For The 2013 Tax Year

MOUNTAIN VIEW, CA–(Marketwired – Mar 7, 2014) – Today eHealth, Inc. (NASDAQ: EHTH) (www.ehealth.com[1]), which operates eHealthInsurance.com, the nation’s first and largest private online health insurance exchange, released its top health and health insurance-related tax tips for the 2013 tax year.

Many consumers overlook credits and deductions built into the tax code that are designed to make medical care and health insurance more affordable. Consumers who had high medical expenditures in 2013, who were self-employed or owners of small businesses, or who cared for aging parents should educate themselves on the opportunities to deduct a portion of their expenses from their federal income tax.

With new provisions of the Affordable Care Act now in effect, this year’s tax season is also a good time for consumers to educate themselves on the possible tax consequences of receiving a government health insurance subsidy or going without health insurance for more than three consecutive months in 2014.

The tips below do not constitute personal tax advice and eHealth recommends that consumers explore these issues with a certified public accountant or tax professional when completing their federal income taxes.

Top Tax Tips for the 2013 Tax Year from eHealth

  • Look out for new limits on medical expense deductions – Fewer people will be able to deduct medical expenses from their 2013 federal taxes. Until 2012, you were able to itemize and deduct medical expenses in excess of 7.5% of your adjusted gross income. As a result of health reform, that threshold has been raised to 10% for the 2013 tax year. You can refer to IRS Publication 502[2] for more information about qualifying medical expenses, but these may include monthly premiums you pay for coverage (including some Medicare premiums), copayments, deductibles, dental expenses, and costs for some services not covered by your insurance plan. You may even deduct mileage accrued while driving to and from regular appointments. This deduction isn’t for everyone, but if you (or a family member) were seriously ill or hospitalized last year, you may still qualify.
  • Get tax credits for providing employees with coverage. If you’re a small business owner providing group health insurance coverage for your workers, don’t forget that there may be special tax credits available to you. If you have 25 or fewer employees with average annual wages of less than $50,000, you may be eligible for a special tax credit of up to 35% of the amount you contribute toward employee insurance premiums. Starting in the 2014 tax year, that credit will increase to 50%. Keep in mind that in order to qualify for the credit you must have paid at least fifty percent of your employees’ total monthly premiums.
  • Fund your Health Savings Account (HSA) for 2013 – An HSA is a tax-advantaged savings account used in conjunction with an HSA-eligible health insurance plan. Account contributions, qualified distributions and earnings are all tax-exempt. An HSA allows you to deposit a portion of your pre-tax income into a savings account and use those funds to pay for qualified medical expenses. Unused money can be invested and accrue from year to year. If you have an HSA, be sure to deduct your contributions up to federally prescribed limits. Contributions to your HSA designated for 2013 and made before April 15, 2014 can be counted toward your 2013 federal taxes. HSA contributions for the 2013 tax year are capped at $3,250 for individuals and $6,450 for families. If you’re over age 55, you may qualify to make an additional $1,000 contribution for the year.
  • Big earners should look for new and increased Medicare taxes. When filing their federal taxes for 2013, joint-filers with incomes over $250,000 per year and single filers with incomes over $200,000 will face new and increased taxes as a result of the Affordable Care Act. There are two in particular to be aware of: First, the Medicare tax on earned income increases from 1.45% to 2.35% for income in excess of the $250,000/$200,000 limit. Second, big earners may face a new Medicare tax of 3.8% on interest, dividends, capital gains, and rent and royalty income.
  • Expenses for the care for an aging parent – If your elderly parent earned less than $3,900 in 2013 (excluding Social Security in most cases) and you provided more than half of his or her financial support, you may be able to claim your parent as a dependent. This earns you an additional dependent exemption, even if your parent doesn’t live with you. And if you’ve paid for the medical or nursing care of a dependent parent, you may also be able to itemize your costs as qualified medical expenses.
  • Medicare premiums and medical home improvements – If you’re a retired senior, you may have an easier time meeting the 10% adjusted gross income threshold to deduct itemized medical expenses on your federal return. In addition to your out-of-pocket expenses for medical, dental or vision care, you may also be able to include capital expenses for the installation of home medical equipment or improvements to your property for wheel-chair access. In addition, premiums taken from your Social Security check to pay for Medicare Part B may qualify as deductible, as well as premiums you paid for Medicare Part D (Prescription Drug) coverage or a Medicare Supplemental plan.
  • Be aware of the 2014 tax year implications of health insurance subsidies. Consider this a tip for your 2014 tax-year return. If your modified adjusted gross income for 2014 falls below 400% of the federal poverty level (about $46,000 for a single person or $95,000 for a family of four), you may qualify for government health insurance subsidies. This is great if you need to buy coverage on your own. However, keep in mind that these subsidies are based on your estimated income for 2014. If you earn more than expected in 2014, you may need to adjust your subsidies mid-year or else repay all or part of your subsidies when you complete your 2014 federal tax return.
  • Look out for the 2014 tax penalty for going uninsured. Here’s another forward-looking tip. In 2014 most Americans are required to have health insurance in one form or another. If you don’t have employer-based coverage and are not enrolled in Medicare or Medicaid, and you don’t otherwise qualify for one of the exceptions provided by the law, you may be required to purchase coverage on your own. If you’re uninsured for more than three consecutive months in 2014, you may trigger a tax penalty on your 2014 federal tax return. The penalty, which will be applied on your 2014 federal tax return, is $95 per adult (less for children) or 1% of your income, whichever is greater. Penalties will increase in future years. In order to avoid the penalty for 2014, be sure to enroll in coverage before the end of the nationwide open enrollment period, which runs through March 31, 2014. To learn more about the health insurance options available to you, work with a licensed online agent like eHealth.

By offering tax tips like those above, eHealth seeks to help consumers understand the intersection of health insurance products and taxes in their everyday lives. In September 2013[3], eHealth announced that it had entered into a relationship with Intuit Inc. to expand enrollment in individual and family health insurance plans by addressing consumers’ coverage needs once they file their federal income taxes. Through its integration with Intuit TurboTax, many of the more than 25 million people projected to use TurboTax this year will be able to more easily explore their health insurance options using eHealth’s online health insurance marketplace. In addition to major medical coverage, qualifying TurboTax users may also be able to enroll in Medicare Advantage plans, Medicare Supplement plans and stand-alone Medicare prescription drug plans.

About eHealth eHealth, Inc. (NASDAQ: EHTH) operates eHealthInsurance[4].com, the Nation’s first and largest private health insurance exchange where individuals, families and small businesses can compare health insurance products from leading insurers side by side and purchase and enroll in coverage online. eHealthInsurance offers thousands of individual, family and small business health plans underwritten by more than 200 of the nation’s leading health insurance companies. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia. eHealth, Inc. also provides powerful online and pharmacy-based tools to help Medicare beneficiaries navigate Medicare health insurance options, choose the right plan and enroll in select plans online through PlanPrescriber.com (www.planprescriber.com[5]) and eHealthMedicare.com (www.eHealthMedicare.com[6]).

For more health insurance news and information, visit the eHealth consumer blog: Get Smart – Get Covered[7] or visit eHealth’s Affordable Care Act Resource Center at www.eHealth.com/affordable-care-act[8].

References

  1. ^ www.ehealth.com (ctt.marketwire.com)
  2. ^ Publication 502 (ctt.marketwire.com)
  3. ^ September 2013 (ctt.marketwire.com)
  4. ^ eHealthInsurance (ctt.marketwire.com)
  5. ^ www.planprescriber.com (ctt.marketwire.com)
  6. ^ www.eHealthMedicare.com (ctt.marketwire.com)
  7. ^ Get Smart – Get Covered (ctt.marketwire.com)
  8. ^ www.eHealth.com/affordable-care-act (ctt.marketwire.com)

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  1. Reply

    Provide Some Health Tips, Home Remedies For Skin, Digestion, Bad Breath, Reduce Cholesterol Etc? Let me share with you what I have:
    ———————————————–

    Carrot + Ginger + Apple – Boost and cleanse our system.

    Apple + Cucumber + Celery – Prevent cancer, reduce cholesterol, and improve stomach upset and headache.

    Tomato + Carrot + Apple – Improve skin complexion and bad breath.

    Bitter gourd + Apple + Milk – Avoid bad breath and reduce internal body heat.

    Orange + Ginger + Cucumber – Improve Skin texture and moisture and reduce body heat.

    Pineapple + Apple + Watermelon – To dispel excess salts, nourishes the bladder and kidney.

    Apple + Cucumber + Kiwi – To improve skin complexion.

    Pear ( without Alcohol ) & Banana – regulates sugar content.

    Carrot + Apple + Pear + Mango – Clear body heat, counteracts toxicity, decreased blood pressure and fight oxidization .

    Honeydew + Grape + Watermelon + Milk – Rich in vitamin C + Vitamin B2 that increase cell activity and strengthen body immunity.
    Papaya + Pineapple + Milk – Rich in vitamin C, E, Iron. Improve skin complexion and metabolism.

    Banana + Pineapple + Milk – Rich in vitamin with nutritious and prevent constipation.

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    1. Reply

      HEALTH TIPS

      To avoid diseases like hepatitis and Typhoid, eat 5 basil leaves everyday.

      For tooth ache, keep a clove on the affected area.

      Have a mixture of gingelly oil and egg, for 3 days, for menstrual disorders.

      You will get a great relief from menstrual pain , if you have a gooseberry daily.

      Boil the leaf of Malabar nut, squeeze its juice and add egg white. It subsides cough.

      Eat the powder of dried ginger and cumin with sugar for relief from cough.

      Have the mixture of mustard paste and honey for good relief from cough.

      For a good relief from cough, mix equal quantities of basil juice, honey and ajwain juice and drink on an empty stomach.

      Are you suffering from urinary infection? Drink a glassful of water with a pinch of cardamom powder.

      Chew some cumin and sugar for relief from stomach pain.

      Have a mixture of lemon juice and honey when you are suffering from cold.

      If you have bad breath, drink at least five glasses of water in the morning.

      Stop nose bleeds by putting a few drops of pomegranate juice into your nostrils.

      For nagging cough and chest congestion, boil 3 cups of water with 2 fresh betel leaves and 4 crushed peppercorns, till the water is reduced to half. Strain and drink every morning and night with a teaspoon of honey.

      For relief from toothache.. Take two basil leaves, a grain of salt and a pinch of pepper powder and press against the affected tooth.

      For minor rashes on the skin.. add few basil leaves in your bathing water before you bathe.

      To get a fair baby, Mothers can drink saffron added to milk during pregnancy.

      For fever and cough of children, give some honey mixed with water.

      The juice of carrot and tomato, mixed with a little honey is good tonic for children.

      A teaspoon of the powdered pomegranate skin taken with water early in the morning will not only purify the blood but also will serve as a good de- worming agent

      Chewing raw guava leaves is an excellent quick fix for diarrhoea

      If you are suffering from acidity, drink a glass of water with a piece of jaggery dissolved in it, after meals.

      Drink basil water everyday, it helps in keeping throat infection and cough at bay.

      For good Health

      Add vegetables and fruits in your diet chart.

      Drink 12-16 glass of water daily.

      Avoid excess eating of fried things.

      Try to buy meat which contain less fat.

      Avoid excess sugar in tea and coffee.

      Slice vegetables into big pieces, so that it won’t loose vitamins.

      …………………………………………………..
      Body care

      Mix six-teaspoon petroleum jelly, two-teaspoon glycerin and two-teaspoon lemon juice. Apply this moisturizing lotion at least twice a week if you have dry and flaky, arms and legs
      Peel and grate a cucumber. Squeeze the juice to this, mix half-a-teaspoon glycerin and half-a-teaspoon rose water. Apply this on sunburns, leave it for some time.
      If you have cracked heels, melt paraffin wax; mix it with little mustard oil and apply on the affected area. Leave it overnight. After 10 or 15 days, your heels will become smooth.
      Massage your body with a mixture of coconut oil and any of your favourite scented oils like lavender or rosemary.
      For rough palms, use a mixture of glycerin and limejuice in equal proportion.
      For cracked heals, massage the foot with coconut oil and keep the foot in warm water for some time. Wipe the water off the feet and apply a mixture of hibiscus flower(10), Henna (1 handful) and juice of half a lemon. when dry wash it off.

      Remove scars on your hands and feet by rubbing them with lemon peel.

      Eye care

      Dip wads of cotton in a chilled mixture of cucumber and potato juice. Keep this on your eyelids for 15 to 20 minutes and gently wash it off. Apply a little baby oil.
      For long eyelashes.., apply a thin coat of castor oil every night. It strengthens lashes and cools your eyes.
      Massage a few drops of coconut oil around the eyes to get rid off dark circles.

      To reduce puffiness of your eyes, grate a potato; tie in a cloth and place the cloth over your eyes for about 15 minutes.
      Add a small pinch of salt in water and wash for bright and sparkling eyes.
      Mix tomato juice and lemon juice in equal quantity and apply around the eyes. After 30 minutes wash it off with cold and hot water alternatively.
      Make a paste of sandal wood and nutmeg. Apply the paste around the eyes before sleeping and wash it off in the morning.
      Crush a cucumber and take the juice. Add a little rose water and apply around the eyes and wash it after 30 minutes.
      Place cotton wool swabs dipped in cold milk on closed eyes for removing dark circles.

      Lip Care

      You can mix one-tablespoon cranberry sauce juice with two tablespoons Vaseline for a delicious home made lip balm.
      Apply the juice of lemon skin for avoiding black colour of lips
      Massage your lips with coriander leaf juice for soft and rosy lips.

      *Sorry I forgot the name of this Indian site ! ! ! !

      View Comment
  2. Reply

    What Are Some Health Tips? Or healthy habits/things to do?

    example: exercise, drinking lots of water….etc.

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    1. Reply

      Health tips…hmmm….
      never pet a rattle snake o.O’

      lol ^^

      im not really a health nut, but i guess to key words would be “discipline” and “balance”
      imply both of these factors to eating and exercising, and you’ll be fine ^^ .

      though..as i said..though i try to keep fit to a certain extent…im no health fanatic :p. so..perhaps my words isnt the best…

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  3. Reply

    Where To Get Health Fitness Tips? Hello friends let me know where you can get health fitness tips. I have recently read blog related health and fitness and I found it helpful. I am looking for more same king of blog which I have read before. Please you may take a review and suggest me more. Thanks!

    Blog: healthfitnesstipszone.blogspot.com

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    1. Reply

      Health and fitness centers are more in numbers where you can be trained to keep up your good health in good way. Inspite of visiting the Gym or health and fitness centers many a time, people are not able to maintain good health. Therefore one should maintain their daily diet along with the good exercise, by doing this you can maintain good health.

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  4. Reply

    Send Me The Health Tips?

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    1. Reply

      Many people take for granted very simple ways to healthy living and eating. Our foods are full of toxins, chemicals and preservatives so when you eat try to think natural which is the best way to know your eating right.

      If we go back thousands of years when man had no supermarkets and no packaged goods but just simple food then we can relate that to how we should be eating in the 21st century. Back then man would eat food straight from the fruit trees, vegetables that have no chemicals in the soil and free of pesticide spray. Men and women would have been much healthier as they would have also had to work hard to gather their food and we all know that exercise is a vital part of healthy living.

      Instead of buying your vegetables from the supermarket which are usually full of chemicals and pesticides consider taking a visit to your small local fresh fruit & vegetable store. Not all of these small fresh fruit & vegetable stores are are that much better as many of them still buy their stock from the same growers as the supermarket chains. The best way to judge if the produce is free from toxins & chemicals is to take it in your hand and take a look at the produce. Study the leafs in greens, do they have a look of been nearly perfect and pest free? If the leaves looks like they have had some harmless insects nibbling at the leaves then thats a good sign the produce has not been sprayed. Do the tomatoes looks pale and without blemishes? If so they have been grown in a hothouse artificially. You are the best judge, use your own discretion and ask the shop keeper directly if the produce is organic and free of sprays & chemicals.

      You can also find particular sections in supermarkets & fresh fruit & vegetable stores that cater especially for organic foods which is probably one of the best guarantees that the food is free of toxins. You can also find fresh fruit & vegetable stores that only sell organic foods which is usually the best places to buy.

      Eggs are another food source that can be unhealthy to eat due to the chickens bred in cages and they get no exercise and the eggs contain traces of chemicals from the artificially produced eggs. The eggs also have less natural vitamins, minerals and proteins so we don’t get the full benefits of what natural eggs would normally contain. To be assured your eggs are going to be good for you then buy farm range eggs that are organically grown.

      How many of us buy white sugar or use white sugar when buying a drink from a café? Most likely over 80% of us… Instead of having white sugar which is very bad for our health when too much of it is consumed, buy raw sugar which is less refined or even better use honey to sweeten your drinks and food. Honey is a very healthy food but make sure you buy it unfiltered and honey that has not gone through any processing or heating. The best place to buy honey is straight from the owners of bee hives. If you do have to buy your honey from a store then look for a dark natural color with traces of honey comb and read the label.

      Another over consumed everyday food source is salt, apparently most people eat 2 sacks of salt a year more than they need. That is an awful lot of salt but its in nearly every packaged food and nearly all foods from your local restaurant, cafés or fast food outlet. Aways insist on salt free food when buying from these places and most restaurant & cafés will be happy to prepare a special dish free of salt for you although at a slightly higher price but it’s well worth it. We all need some salt but not so much, only use natural sea salt or kelp in our meals and do so moderately.

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  5. Reply

    What Are Some Good Health/fitness Tips? Im a fourteen years old and i been trying to lose weight for a month and only loss two pounds and i want to lose a lot of weight before the summer ends (seven weeks)

    View Comment
    1. Reply

      TIP 1. Study.
      Your body has no choice but to follow your brain. So, you should feed your brain a steady diet of good information if you want to be all you can be. It’s YOUR body and it has to last a lifetime so it’s worth the investment. Don’t ask questions of random strangers with no credibility in this or other online forums. Use high quality resources for information instead. The basic principles of health, fitness, and nutrition are not that difficult or hard to understand.

      Avoid the internet unless you’re using trusted sites in dot gov or dot edu domains. The dot coms are usually driven by profit motive and you’ll find bad information in most websties including WebMD, Livestrong, Bobybuilding.com, etc. and especially in this forum and others like it. And, avoid magazine and other cheap commercial informational products about fitness, glamour, muscle building, fashion and fads. Don’t be part of the “herd” unless you want to look, feel, and perform like the “herd”.

      Use books, especially late edition text books on subjects such as nutrition, anatomy, kinesiology, and physiology…especially exercise physiology. You can find excellent information resources at your local public or Uni library or for sale cheap online at Amazon.com and Ebay.com.

      Always follow the science. Use critical thinking. Be skeptical and do not believe anything without cross checking it with trusted sources. Grow your personal knowledge base and everything else will follow with relative ease.

      You have one body and it has to last a lifetime. It’s worth the investment to learn how to care for it properly.

      TIP 2. Don’t micromanage
      Your body is a work in progress. You won’t have your adult body for almost a decade. Don’t try to make changes which may go against nature while nature is developing you physically. Sure, everyone wants to be svelte and fit and so should you. However, you don’t want to try to lose fat, for example, when your body is trying to build muscle unless you are very much over weight. Trying to reduce body fat to 15%, for example, can inhibit the growth of muscle and important tissues. You at the age where eating disorders begin to manifest themselves so avoid obsessing about food, fat, and body image.

      TIP 3. Eat a good and proper diet
      This is easy said than done. Learn to read and understand food labels, count calories, manage macro nutrient ratios, etc. You are what you eat and your long term health and well being are very much dependent on your ability to eat properly for now and the rest of your life.

      TIP 4. Exercise
      Exercise does not have to be work. It can be dancing or walking or swimming or anything that involve low risk, a wider variety of motions and muscle contractions, and elevates your heart rate to 80% of max where max is 230 – your age and sustains it at that level for 20 minutes several times a week. And, build muscle too. Only muscle offers all of the following.
      • Stronger bones & increased mineral density (osteoporosis protection)
      • Stronger body & musculature (improved protection from injury)
      • More robust organic and systemic fitness (more survivable in crisis)
      • Improved cardio-vascular function (better than “cardio”)
      • Higher basal metabolic rate (~5-50 cal/day/pound of muscle)
      • Easier fat loss (more efficient lipid consumption)
      • Greater calorie consumption (prolonged afterburn)
      • Supports body sculpting (hypertrophy)
      • Slows natural loss of muscle mass (sarcopenia) over age 30
      • Minimal wear & tear (low risk)
      It only take a couple of hours of hard work to build strength.

      TIP 5. Be happy
      Manage your stress. Keep your reactions in proper proportion, your negative emotions in check, and don’t be a drama queen. Do those things which bring you happiness.

      TIP 6. Use this website.
      Be sure to bookmark it and use it. It’s been recommended by the people your doctor listens to, US National Institute of Health, and has tons of information about your growing and changing body. –> http://teenshealth.org/teen/

      Good luck and good health!!

      PS: Here are some good websites you may find useful.
      • A MUST FOR DIETERS http://www.freedieting.com/
      • BEST DIET TOOL ON THE WEB http://www.myfitnesspal.com/
      • BEST FOODS FOR YOU http://www.choosemyplate.gov/index.html
      • NUTRITION DOT GOV http://www.nal.usda.gov/food-and-nutrition

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  6. Reply

    Overall Beuty And Health Tips? ? Just some things i can do to look my best for back to school

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    1. Reply

      Beauty and health is most common problem with lots of women. All women wants to look pretty. Health tips is very useful for all. Drink lots of water and do exercise regularly is best option for keep healthy.

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  7. Reply

    Tips For Shopping For Health Insurance?? I have no clue about shopping for health insurance but i just go married so they kicked me off of my mom’s… any advice would be greatly appreciated!!! I’m gonna need something with maternity and dental anyone have any good policies or companies you recommend?

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    1. Reply

      The best way to attain health insurance is through employment.Buying individual health policies are not only expensive but they also have limitations that larger groups don’t have.Blue Cross Blue Shield has an open enrollment every year for individual policies but the deductible is extremely high around $2500-$3000 yearly.If you buy insurance through an employer they not only pay half the premium the yearly deductible is a lot lower $250-$500 yearly.There are allot of companies out there that say they offer health insurance but it falls short of adequate coverage.The true tell tale to any policy is its exclusions.You should always read the exclusions before buying any insurance product.There are a few companies that underwrite true major medical policies.Blue Cross Blue Shield,Aetna and United Health Care are Three of the largest most reputable insurers.Make certain for the coverage you are looking for you are buying a Major Medical Policy and not anything else.Do not fall for Aflac or an accident plan as Medical.Do not fall for the Hospital Indemnity plan either.If you look at the three companies I mentioned you should find what you need at a premium of course.

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