DH has Medicare, but I'm 62. ACA is state specific and doesn't look like it would work for a FT lifestyle. No employee coverage... no retiree coverage. No cobra. No military. Sooo...any ideas?cts

ACA state exchanges. Most are hmo and only are good in state. Hard to get good info from them right now. Already tried that. cts

Go to the insurance companies websites and you will find more info. Even eHealthinsurance.com has better information, and it's up all the time.I've looked and looked and am still looking for that affordable part. Best I can do is about $950 a month (for two) for a bronze plan which pays squat. A good plan (Gold) costs $1,350. Either one eats up a lot of retirement income for those of us not yet age qualified for Medicare.

You have to buy your own from the exchange. Since your husband is retiredyour income may be low to the point that your premiums are cheap.Brian

What you have to do is check and see what companies offer policies in your area and the government site works for that. Then go onto the insurance companies website and see what they offer. We only had 3 companies to choose from and our deciding factors were the out of network coverage, it's going to be higher than in network but you will be covered. Make all your decisions and then go onto the healtcare.gov site and set up a account, we tried the phone exchange first and that was a complete waste of 3 weeks. We did manage to come out the other end with a policy.Just because we got it to work doesn't mean we are happy, we were happy with what we had before our constitutional rights were trampled on by some very arrogant people. Denny

You do not have to buy insurance thru the exchange. You can shop directly with companies and do the comparing yourself. All you have to do is make sure it is a compliant plan, which nearly all are now. We have been paying for our own insurance since 1995. The ACA has lowered our costs (just a little) the last two years. We have been paying over $1000 a month for high deductible ($5000 each) for years. A plan we found on Healthcare.gov which has a much lower deductible, will lower our monthly payment to under $700. We rarely travel out of state but I am going to look closer at that.The Supreme Court has stated the new law is constitional. Every one has to buy car insurance so I never understood what the problem was. Everyone should have medical coverage.

medical insurance under 65? | Good Sam Community

TechWriter
Explorer
Nov 25, 2013
covetsthesun wrote:

To get a ppo you have to choose one of the higher priced plans.

Do you qualify for a subsidy?
covetsthesun
Explorer
Nov 26, 2013
TechWriter wrote:
covetsthesun wrote:

To get a ppo you have to choose one of the higher priced plans.

Do you qualify for a subsidy?

Based on 2013 earnings no. DH is currently between jobs (and another move for us). If he decides to retire then I'd probably qualify sometime next year.

At 69 he's not quite ready to retire... but is getting tired of the rat race. Right now we're looking at the options.

cts
TechWriter
Explorer
Nov 26, 2013
covetsthesun wrote:
TechWriter wrote:
covetsthesun wrote:

To get a ppo you have to choose one of the higher priced plans.

Do you qualify for a subsidy?

Based on 2013 earnings no. DH is currently between jobs (and another move for us). If he decides to retire then I'd probably qualify sometime next year.

At 69 he's not quite ready to retire... but is getting tired of the rat race. Right now we're looking at the options.

ACA is based on projected 2014 earnings.
was_butnotnow
Explorer
Nov 26, 2013
Check out this article in USAToday...
Can’t get on HealthCare.gov? No problem on Page 1B of Tuesday, November 26, 2013 issue of USA TODAY

Sites such as eHeathInsurance? .com? , GetInsured.com ? and GoHealth? .com ? — all owned by for-profit companies — can sell policies that comply with the ACA’s individual mandate in the 36 states served by HealthCare? .gov? .

One of these might offer a national PPO plan.
empty_nest
Explorer
Nov 27, 2013
Big Katuna wrote:
Every one has to buy car insurance so I never understood what the problem was. Everyone should have medical coverage.

The difference is that car insurance protects you from me. But, if I get sick without insurance, you're not out one dime.
Big_Katuna
Explorer II
Nov 27, 2013
Not true. Uninsured hospital visits cost the medical industry billions that are paid for by those of us that pay. Medical bills are the number one cause for bankruptcy which we end up paying for, too.
We also pay for uninsured motorist damaged as well.
rmalik1
Explorer
Dec 01, 2013
dahkota wrote:
Blue Cross Blue Shield offers multi-state plans in about 30 states. These plans have a nationwide network. For nationwide coverage, you must look at PPOs rather than HMOs.

In Missouri, the BCBS company is Anthem. Their website is rather lousy with regards to which plans are Multi-state, though the Fed websites states that there are two silver plans that are. I would call them for help.

x2 on the bcbs

So the OP also knows the $ amount to get a break on the cost is approximately 62,040.00 income for two people. For one person the max amount is 45,960.00; anything made lower than those amounts will get rate deduction!
rmalik1
Explorer
Dec 01, 2013
I'd think that AARP may be able to help also?
covetsthesun
Explorer
Dec 01, 2013
rmalik1 wrote:
I'd think that AARP may be able to help also?

AARP is not getting involved in ACA. Only Medicare supplements. If DH takes another job... jury still out, he's 69 now... no subsidy. Although we currently live in FL... we plan to retire back to SoMO so will check out BCBS.

Since there's been an extension on having to do ACA insurors are rumbling about raising rates already. It just never ends.

cts
Jean_S
Explorer
Dec 04, 2013
Docheck out those gold plans. We are in FL. A frind of mine is 59 and a self employed artist, and makes just over $35k a year. She was delighted to see that she could finally get insurance, even with her diabetes, with a subsidy that meant she no longer had to face bankruptcy if she got sick. Not saying that will be everyone's experience, but it is hers.