Health Insurance
So, I have the 5th wheel on the site and am waiting for it to dry out enough I can get under it to hook up the water and sewer. I am also waiting for Kansas City Power and Light to hook me up. Then I ...
Forum Discussion
darsben wrote:
If I were you I would pay the high price instead of taking the Obamacare policy that way your integrity will not suffer although you pocket book will.
I'm not sure why your integrity would suffer, but to each his own.
I retired at 63 (my wife 62) and we both used my company's COBRA (medical + dental + vision) for 18 months which was about $1100/mon for the two of us.
Then I bought an Arizona BCBS policy for one month (~ $600) which got me to 65. I'm on Medicare now, but my wife now has an AZ BCBS plan for about $700/mon which she bought through the the ACA (aka Obamacare) web site healthcare.gov.
While my wife could have purchased a cheaper plan, we selected BCBS because it's a very "portable" health plan -- that is, we can use the BCBS network in almost all the states. Cheaper plans may limit you to only the in-state physicians.
We make too much money to qualify for an ACA health care plan subsidy, so we pay full price. Unless taking a subsidy will hurt your integrity, I strongly encourage trying to get one which means staying under the maximum income limit while you're under 65.
As someone previously mentioned, check out rverhealthinsurance.com. I bought a Medicare supplement plan through them.
If you're thinking of changing your domicile, visit healthsherpa.com. You can enter the ZIP code of any place and find out what ACA plans are available.
By the way, subsidies are only available if you buy your health care through the "marketplace" -- healthcare.gov or a state health plan exchange.
