Health Insurance questions for full timers.
We are thinking about going full time next year and our only uncertainty is health insurance. We live in Tennessee and are both around 50 years old and make around 50k a year. Any ideas on what it wou...
Forum Discussion
Political expediency will almost assuredly mean that the costs to individuals under the new plans will be relatively similar to costs under the Current ACA. Will coverage and options change? Yes. Will the costs of some subsidies shift from the Federal Level to the state level? Probably.
What will change for sure is how you arrive at those costs. For example, one possible change will be to allow insurers to sell across state lines. Currently, my Blue Cross bronze (6500 deductible) plan for two in Montana cost $1740.00 a month. If I lived in California, the same plan would cost $1070 a month. My guess is should interstate shopping be allowed, a Montanan could buy that plan for a lot less than they are currently paying, and a Californian might see a slight increase in price. Another change is being mentioned is eliminating the government penalty for not having coverage and shifting the penalty implementation to the insurance companies by allowing them to charge more if you do not keep continuous coverage (kind of like auto insurance today).
I wish they would just adopt my plan. Anyone who wants and can afford insurance can buy it, but they have to adopt someone who can't afford coverage and buy a policy for them as well. At least that way I can see a tangible recipient of the ridiculous amount of money my policies have increased in price since the implementation of the ACA.
What will change for sure is how you arrive at those costs. For example, one possible change will be to allow insurers to sell across state lines. Currently, my Blue Cross bronze (6500 deductible) plan for two in Montana cost $1740.00 a month. If I lived in California, the same plan would cost $1070 a month. My guess is should interstate shopping be allowed, a Montanan could buy that plan for a lot less than they are currently paying, and a Californian might see a slight increase in price. Another change is being mentioned is eliminating the government penalty for not having coverage and shifting the penalty implementation to the insurance companies by allowing them to charge more if you do not keep continuous coverage (kind of like auto insurance today).
I wish they would just adopt my plan. Anyone who wants and can afford insurance can buy it, but they have to adopt someone who can't afford coverage and buy a policy for them as well. At least that way I can see a tangible recipient of the ridiculous amount of money my policies have increased in price since the implementation of the ACA.
