Health Insurance questions for full timers.

We're under 65 and domicile in TX. Our silver plan went to $1500 per month, but our retirement income is above the threshold to get a subsidy. I beleive if we did get a subsidy the same plan would be $700.

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.

63 and we pay about $1800 a month, high deductible.

We have too much income for the subsidy.

I highly recommend talking to an experienced agent who handles several companies.

While Blue Cross Blue Shield has national coverage, not everyone is in network so you have to be careful WHERE you get sick at; wrong hospital and the coverage is even worse.

We currently have Humana and it runs us around $400 a month after tax credits.

This is a relative bargain - if you weren't on the ACA subsidy, you'd be paying > $1,200 per month. $400/month sounds about right for your income - I'm guessing you're on a silver plan.

I doubt your premium will go down after the current admin has it's way.

BTW - you're currently getting a subsidy NOT a tax credit (big difference)

Are you going to continue working.......making that same 50K/yr?

Where will you claim as a 'domicile'....legal residency, DLs/Registrations etc?


CURRENTLY........FL is only state that has ACA (Obamacare) nation wide coverage via Blue Cross/Blue Shield


After voting next week........it's ALL speculation as to what the AHCA (Trumpcare) will cover and at what costs

ulvik wrote:
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 would cost us and who provides such coverage. We currently have Humana and it runs us around $400 a month after tax credits. Any ideas because it is the only thing dampening our plans.

With 15 more years until you reach Medicare age, I'd forget about full timing until you know exactly what will be available and what it will cost.

For starters, figure that you'll be paying thousands more for poorer plans. As written, the current Republican ACA replacement health plan will be bad for the old and the poor.

Like others, I cannot guess what health insurance will cost when you go full time. My current cost would give you no insight.

I would encourage you to consider more than cost when you full time. If you are traveling nationwide, will your insurance cover you as you travel? Policies will cover emergencies outside there coverage area, but what about needed (yet not emergent) care while you are on the other side country? Currently Floridians can buy individual policies with a nationwide network; not sure you will be able to find that if your domicile remains in TN...not even sure it will be offered in Florida next year.

Just was looking for an idea of what people are paying right now. I know things are up in the air at this time.

Millions of Americans would like to know that!

Absolutely no one knows what their insurance will cost next year. Hang in there!