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Health Savings Account Plan Reviews Question & Answers

2015 August 6
by Sarah Fields

Sandra asks…

if Mccain is elected, and his healthcare plan is enacted…?

will union members loose their healthcare benefits? what about police officers, or nurses? will senators loose their benefits and be forced to pay for health insurance too?

Sarah Fields answers:

I don’t know the specifics, but I know unions negotiate their benefits with the employers, so I don’t see how the governement would affect that.

OK i just reviewed the healthcare portion of his website, and found the following, which basically means what I said is correct:

While still having the option of employer-based coverage, every family will also have the option of receiving a direct refundable tax credit – effectively cash – of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.

Donald asks…

What is the REP party offering on health care?

Sarah Fields answers:

Absolutely nothing useful.

From the GOP proposed bill directly from the GOP site



In other words if it is protecting the insurance company from costs they are willing to socialize the loss which is typical of the GOP.


in other words, lets not fund the program much and leave it up to the states to drop and not really do anything about it using the excuse that they can’t fund it.


Did I just read that right???

And if you read farther in the GOP bill, it pretty much doesn’t give any protection against the same tactics that Insurance companies already use to decline coverage, like making the claim the insured witheld mateerial facts about their condition, which could be anything the inurance compan wants to claim is material.

It then goes on to basicaly give insurance companies the ability to make a 3rd party organization to review their own decisions.

It then goes on to promote the state to lower insurance prices to get federal funding which would be nothing but the state reducing taxes in exchange for a few dollars knocked off premiums so they can make up the money from the fed….well until right-wingers decide to cut taxes and cut the program.

It makes all these claims about what it should do but doesn’t establish any method for doing any of it.
It leaves it all in the hands of the state and the federa secretary overseeing the program.
It doesn’t even provide a formula to compute whether a state has reduced health care premium costs.

It doesn’t even appear to set a minimum amount of coverage that must be obtained before a person is considered having health care coverage.

It is a lame attempt to claim they have some kind of plan. Essentially al that would happen if the GOP plan was passed, is nothing but them trying to claim “see libs your insurance plan doesn’t work!”

Carol asks…

I want to marry a girl in Canada!?

I’m an Australian citizen living in Australia, and I want to travel to Canada to marry a girl I’ve fallen in love with. The plan is to buy a 1 way ticket to Canada, get married and then live there with her…

However, I’ve heard that I will be refused entry to the country if I give this reason as to why I want to enter the country. Is this correct?

If this is true, what process will I have to go through to be able to travel there and marry her?

Hope you can help me!


Sarah Fields answers:

Australian citizens are free to visit Canada for up to 180 days without a visa. You may not attend school, work, or look for work in Canada as a tourist. You may also not obtain a driver’s license, get a social insurance number, apply for health insurance, enrol children in school, open a bank account, etc.

All entry into Canada is at the discretion of Canadian Border Services. If they suspect that you to not intend to leave, can’t support yourself, that you intend to work illegally, etc. They will start asking for proof of ties to Australia (i.e. Employment, school, dependant family, etc.), proof of finances, travel medical insurance, etc. Or they’ll just deny you entry. Not having a return ticket plane ticket is normally considered a good sign that someone doesn’t intent to leave.

Marrying a Canadian does not give you any right to stay. If you are married, your spouse would need to sponsor you for permanent residency. This process will take about 10 months (on average) from the time you are applying – based on the backlog in Australia. She will need a steady job history, residence, and at least $13,000 in savings. CIC will set a final amount depending upon her living situation, city, your employability, etc. You will need to go through medical and background checks. You will need proof of your marriage and may be required to attend interviews. Because of the length of time it takes to process applications, you will have long since had to return to Australia.

In addition, laying around for six months in Canada unemployed doesn’t help your application nor your financial situation. And being in the country illegally while making a permanent residency application is just inviting CIC to reject the application.

There is nothing wrong will telling a Border Service agent that you intend to get married in Canada. Lots of people get married in Canada. However, they know full well how long a permanent residency application takes and if you don’t have a return plane ticket or even hint at trying to stay… They will know you plan on breaking the law.

By all means come to Canada and get married. Marriage licenses are issued by the individual provinces and are normally around $60-$80. Have as large a wedding as you can afford — keeping in mind you require a lot of money to sponsor someone for permanent residence. If you are rich, you can consider applying for university, trade school, etc. And obtaining a study permit. Otherwise… Plan on returning to Australia and working in order to help your spouse save up money. Get your permanent residency application in as soon after you are married as possible and consider hiring an immigration lawyer to at least review the application.

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