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freckles527's avatar
freckles527
Explorer
Oct 11, 2013

Health Care Insurance Questions

I'm looking for two topics of information to further help my husband and I as we prepare to full time next year.

1. Has anyone registered and applied for health insurance through the new healthcare.gov site? I'm interested if you registered and did not apply for insurance or if you did apply for insurance. Were your rates (plans) better or worse?

2. If you are not planning on using the above, what insurance plan are you using for 2014. If you can provide provider, plan and monthly cost for couples around late forties and fifties I would really appreciate it.

We live in Florida and will have our first gig in Florida and plan to stay in this area, but would like to have an opportunity to travel out of Florida (once in a while) so looking for plans that would meet our needs. We have no health issues.

Thank you!
  • cnehodgdon's avatar
    cnehodgdon
    Explorer
    Oct 11, 2013
    Living in NY, we applied through the exchanges here. There are tax credits available based upon income. The rates were MUCH less than the COBRA available to us. While the coverage is a bit less with a couple of higher deductibles, the savings more than made up for the cost of the deductibles.

    It did take several tries to get my account set up due to the huge numbers accessing the site. I found it very easy to navigate. I had a couple of questions and each time I called the state number, I spoke with knowledgeable people who took their time to answer my questions.

    One other suggestion is to look into discount prescription cards that are available online. Most offer a decent discount on 90-day supply of medications. I looked at several to compare.

    Hope this helps to answer your questions.

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