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If I have no insurance, can a hospital put a lien on my property for money

If I have no insurance, can a hospital put a lien on my property for money

Full question:

My husband recently turned 60. Now his health insurance company has raised his monthly rate so high that we simply cannot afford it. He is thinking about being uninsured until he can apply for medicare. I am afraid that if he does this and has a substantial medical emergency or needs surgery the hospital could put a lien on our home. Can they do this? We live in the state of Florida. In the meantime I am shopping for less expensive insurance but he has a precondition and I am afraid he may be turned down by everyone.

Category: Insurance
Date: 04/07/2025
State: Florida

Answer:

You are right to be concerned, as lack of health insurance is a leading cause of bankruptcy. Yes, a medical provider may put a lien of your property to collect payment.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Why is my Medicare premium higher than my husband's?

Medicare premiums can vary based on several factors, including income and the specific plan chosen. If your income is higher than your husband's, you may fall into a higher premium bracket. Additionally, if you are enrolled in different Medicare plans or have different coverage options, that can also affect the cost. It's important to review your income and plan details to understand the differences in premiums.

How much money can you have in the bank and still get Medicare?

Medicare does not have a strict asset limit for eligibility like some other programs, such as Medicaid. However, your income may affect your premiums and coverage options. For certain Medicare Savings Programs, there are asset limits, typically around $7,860 for an individual and $11,800 for a couple. It's advisable to consult with a Medicare representative to clarify your specific situation.

Why is health insurance so much more expensive with a spouse?

Health insurance costs can increase when adding a spouse due to several factors, including the overall risk pool and the specific plan's pricing structure. Family plans typically cover more individuals, which can lead to higher premiums. Additionally, if your spouse has pre-existing conditions, that may also raise the cost of coverage. It's beneficial to compare individual and family plans to find the best option.

Can my spouse stay on my insurance after they turn 65?

Yes, your spouse can remain on your health insurance plan after turning 65, but this depends on the type of plan you have. If you are covered under an employer-sponsored plan, they may allow your spouse to stay on your plan. However, once eligible for Medicare, it may be more cost-effective for them to enroll in Medicare instead. Always check with your insurance provider for specific rules regarding coverage.