Question: I’m 21 years old and out of college, making 50k a year and I also receive health care thru my employer. My father has no insurance and makes 35k. My younger sister lives overseas but she will be moving here to nj as she cannot live with my grandmother anymore. We are permanent residents living here 5+ years, my father 10+. My sister is 16, she has epilepsy, ADD and depression. She needs constant check ups with theneurologist, psychaitry and daily medication. Is it possible to add her under my employers insurance (horizon hmo)? If not what other options do we have based on our income? Thanks in advance!

*Answer: * No. You cannot add her to your group plan. But your sister should move to New Jersey as soon as possible, because NJ is one of the few states that have guaranteed-issue individual health insurance. What that means to her is that she can buy health insurance from any insurance company in NJ at the same rate as her healthy neighbor.