Health Insurance for Full timers

BarbaraOK wrote:
Health insurance as STATE specific, often regulated by a state insurance commissioner. Blue Cross/Blue Shield are state (and in some cases, just part of a state) specific but have reciprocal agreements with other states. That said, SD is the worst state for fulltimers who need health insurance because all of their companies require that individuals spend a certain amount of time in the state and will only cover emergency care outside of that state. So if you need chemo, you will have to return to SD to have it done. It makes sense since they base their rates on people getting care in SD, maybe Rapid City say, not at MD Anderson in Houston TX where the costs would be much more expensive.

That is why a lot of people have "moved" in the past year or so because there are much better options in either Florida or Texas for those that need individual policies.

Barb

My Blue Cross Blue Shield is free for HMO bought and signed up for on healthcare dot Gov. Well, it's free after the annual $6,000.00 deductible, because I bought it through healthcare dot Gov it's free HMO. However I decided to go PPO, so it's like $138.00 a month premium, but I can keep my doctor, because he will not see HMO Blue Cross Blue Shield patients. Were I to have bought it directly from BCBS of Texas, it would cost nearly $1,000.00 per month for just myself. I wasn't going to do that. I'm under Medicare age.