Health Insurance for Full timers

[FFWIFE50]

Health Insurance for Full timers

Hi, we are looking at changing our residency to SD and are wondering how our health insurance will work. we are both under 65 do not collect SS and are to young for Medicare. We have gotten our insurance through the health care market place. We live in WI and our insurance rates here are high, about 400.00 month. We cant get a quote from the HCMP for a state we do not reside in. Any information on the topic would be appreciated

[Skid_Row_Joe]

Naio wrote:

Skid Row Joe wrote:

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... I'm under Medicare age.

Wow, that's a great price! Do you feel comfortable saying what zip code you used? I may need to move there.

Naino,
I'm in Texas. Your monthly premium if any is based on your earned income - that's the reason mine is free for a Blue Cross Blue Shield HMO. But, not totally free to choose my own doctor. i.e. PPO.

But what the rate of FREE, has to do with is your stated earned or working income after your deductions. For example - as per the Government's classifications - if you earn say $45K a year? Well, then that free health insurance premium of mine would go to around $650.00 per month. If you earn less than around $20K a year after your Federal Income tax deductions on your tax return? Then it's free. Everything is measured with the Gov't's. control of the healthcare dot gov website.

BTW, age appropriate health check ups are free or close to it, as are low-priced prescriptions.

Best check your situation on-line @ healthcare dot gov Fill in the answers asked, and see what your rate is. I am under age 65, FWIW.

[travelalot2some]

We chose to purchase health insurance through our state exchange because it was approximately $600.00/month less than the COBRA offered by my husband's employer. This was practically the same policy but the deductibles were higher but still less than what the annual cost for the COBRA would have been. We pay BCBS monthly...no one else.
What many fail to realize is that most employers are not providing health insurance once you retire. That ended many years ago with the exception of some companies and the positions one retired from.

When I hear people bash the ACA, I wonder if they have ever checked it out, do they have medicare or insurance through a former employer or even have insurance. Some of us need the ACA because of pre-existing conditions. I have no desire to be one of "those" uninsured that take from the taxpayers.

I think it is important to remember that medicare has been tweaked for years since it began. So why not the ACA?

[Naio]

Skid Row Joe wrote:

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... I'm under Medicare age.

Wow, that's a great price! Do you feel comfortable saying what zip code you used? I may need to move there.

[RobertRyan]

Naio wrote:

RobertRyan wrote:

tonymull wrote:
Yeah, Medicare is actually one of the the most efficient health care systems in the world, (3% overhead) one of the few things we compete with Europe on. It has the highest level of user satisfaction of any system in the whole world. There's nothing wrong with Social Security that an adjustment to the upper cutoff won't fix. And the Post Office is not run by the government. Most people using Obamacare, actually using it, think it's great. So yeah, I think they could do that.

We have Medicare here in Australia and it is pretty affordable, as well you can get cutting edge medicines, that some run for a profit Health Funds do not have. You can get Private rooms, Specialist of your choice with the Health Funds

That's not the same as what US people mean when they say Medicare.

Here, Medicare is only for people over 65.

OK, ours covers everyone

[Skid_Row_Joe]

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.

[Skid_Row_Joe]

nevadanick wrote:
i've seen government housing, i dont want government health care.

If you have no other options, then the Government health care is all you get. It's not all bad though, any more than all their housing is bad.

[MNRon]

Side rant alert!

A lot of people that are viscerally opposed to Obamacare and any discussion of single payer health care are actually already on single payer with Medicare...they conveniently forget that. The percentages in this category on RV.NET are probably pretty high.

Our health care system in the US is ridiculous, we spend more (1/6th of GDP) than other countries and don't have the same outcomes others achieve spending less.

There are two large problems. First access; Obamacare went a long way to provide access for more Americans. Second cost; Obamacare didn't do a lot here.

Unfortunately no one seems willing to seriously deal with this, and all of the health care industrial complex is incented to keep the money flowing and not allow serious improvement here. Eventually the bank will break and we'll have to make changes. Transparency to actual costs and quality of care metrics will help but I expect eventually single payer will be required.

Again. It's a little hypocritical for everyone on Medicare to rail against single payer...

Rant off.

[Naio]

RobertRyan wrote:

tonymull wrote:
Yeah, Medicare is actually one of the the most efficient health care systems in the world, (3% overhead) one of the few things we compete with Europe on. It has the highest level of user satisfaction of any system in the whole world. There's nothing wrong with Social Security that an adjustment to the upper cutoff won't fix. And the Post Office is not run by the government. Most people using Obamacare, actually using it, think it's great. So yeah, I think they could do that.

We have Medicare here in Australia and it is pretty affordable, as well you can get cutting edge medicines, that some run for a profit Health Funds do not have. You can get Private rooms, Specialist of your choice with the Health Funds

That's not the same as what US people mean when they say Medicare.

Here, Medicare is only for people over 65.

[RobertRyan]

tonymull wrote:
Yeah, Medicare is actually one of the the most efficient health care systems in the world, (3% overhead) one of the few things we compete with Europe on. It has the highest level of user satisfaction of any system in the whole world. There's nothing wrong with Social Security that an adjustment to the upper cutoff won't fix. And the Post Office is not run by the government. Most people using Obamacare, actually using it, think it's great. So yeah, I think they could do that.

We have Medicare here in Australia and it is pretty affordable, as well you can get cutting edge medicines, that some run for a profit Health Funds do not have. You can get Private rooms, Specialist of your choice with the Health Funds

[TechWriter]

tsetsaf wrote:
Avoid TX, FL, & SD as neither has a state exchange and will likely lose premium assistance when the sc rules

The upcoming Supreme Court decision this month or July on the legality of health care subsidies is definitely cause for concern.

If possible, it would be best for OP to put off selecting a domicile state until after the SC decision.

If the SC rules against subsidies, the likely state-by-state consequences are here.

[tonymull]

Yeah, Medicare is actually one of the the most efficient health care systems in the world, (3% overhead) one of the few things we compete with Europe on. It has the highest level of user satisfaction of any system in the whole world. There's nothing wrong with Social Security that an adjustment to the upper cutoff won't fix. And the Post Office is not run by the government. Most people using Obamacare, actually using it, think it's great. So yeah, I think they could do that.

[Naio]

Medicare is single-payer government health care.

A lot of people seem to like it. It doesn't pay for everything, but people seem to appreciate what it does do.

Many people have suggested that we extend the health care members of congress have (high-quality, single-payer, government health care, with choice of several plans) to everyone.

[tsetsaf]

Honestly the best state is CA. Very easy to establish residency (they even give licenses to individuals here illegally!) As long as you earn under $60k per year the state taxes are low plus vehicle registration is inexpensive. The state legislature is very progressive and constantly figuring out new ways to "help" you live better. We have been ft for several years and use a UPS store location as our address for everything. I hate health insurance companies but hate Obamacare even more. Our plans offer less coverage, higher deductibles, higher out of pockets for a lot more. Being said CA is one of the cheaper Obamacare states. Avoid TX, FL, & SD as neither has a state exchange and will likely lose premium assistance when the sc rules it down.

Regarding the comment about single payer being awesome... seriously?

[nevadanick]

i've seen government housing, i dont want government health care.

[TechWriter]

dahkota wrote:
To check prices, try using ehealthinsurance. They provide details on available plans and pricing based on zipcode. You can use this to find acceptable pricing. It might first be easier to find prices in zipcodes that offer mail services where you can set up residency.

If you are eligible for a premium subsidy, then I believe that the only way to get that monthly premium subsidy is if you buy through the Healthcare Marketplace.

Check HealthSherpa for plan prices.