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Question
you are probably being swamped with questions right now so I will try to keep this brief. I have at present got an HSA Individual Health Insurance that is 'grandfathered' into the new laws but it doesn't pay for any preventative. I can't find anyone to answer this question. I probably won't qualify for any financial assistance in this new Marketplace, plus I live in Wyoming and this appears to be one of the most expensive states. Will I be able to apply for a new Insurance outside of the marketplace that will cover the preventative?  Thank you Wendy Kelly

Answer
Wendy,
I'm not really a health insurance expert -- I'm more of a life insurance person -- but I do have some advice.
I suggest you send your question via email to the following:  askemily@usc.edu
Emily Bazar writes a column in our local newspaper (the Orange County Register).  In fact, her column today deals with HSA's.  According to the paper, Emily is a senior writer at the California HealthCare Foundation Center for Health Reporting at USC.  She will either know the answer or will have access to someone who does.  When you write to her, though, try to be more precise in your language.  For example, give the name of your insurer and specifics about the policy.
Best of luck on your "search for the truth".
Bill Hezzelwood

Life & Health Insurance

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William Hezzelwood

Expertise

I can answer almost any question about life insurance, such as: 1) What kinds of life insurance are available? 2) I have an old policy that is in danger of lapsing...should I pay more money into it? 3) I think my insurance company is not treating me fairly...do I have grounds to sue them? 4) My agent has proposed that I buy insurance from company X...is that a good, reputable company?

Experience

I am recently retired from a 40-year career as an actuary for a major life insurance company. I worked in the life insurance division and had a wide variety of responsibilities, such as: product development, systems development and management, field compensation, and program management.

Organizations
Fellow of the Society of Actuaries (by examination) Member of the American Academy of Actuaries Member of the Forensic Expert Witness Association Member of the American Association of Economic and Financial Experts Member of the National Association of Forensic Economics Member of the Financial Planning Association of Orange County

Education/Credentials
I have a B.S. in Business Administration (major in Actuarial Science) from Drake University.

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