medical insurance under 65?

[covetsthesun]

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

[TechWriter]

BarbaraOK wrote:

deb siems wrote:


Try looking at Washington State. They have their own health exchange and no state income tax.

But they don't have a good mail service and they won't accept UPS boxes as a 'residential' address. We've considered it several times, but didn't want my relatives responsible for our mail, plus the cost of registering in the Seattle area worked against this.

Tx for the tip.

[BarbaraOK]

deb siems wrote:


Try looking at Washington State. They have their own health exchange and no state income tax.

But they don't have a good mail service and they won't accept UPS boxes as a 'residential' address. We've considered it several times, but didn't want my relatives responsible for our mail, plus the cost of registering in the Seattle area worked against this.

Barb

[uncle_t]

if you like your motorhome, you can keep it.

[deb_siems]

TechWriter wrote:

Jean S wrote:

if you ae able to change your domicile state, it would be best to look for one that got involved and set up its own exchange.

For full timers, that's typically South Dakota, Texas, or Florida because none of them has a state tax, and none of the three states set up their own health care exchange.

Of these three, SD has the least number of plan providers and from what I've seen looks to have the most expensive ACA plans when compared to TX and FL.

Try looking at Washington State. They have their own health exchange and no state income tax.

[TechWriter]

Jean S wrote:

if you ae able to change your domicile state, it would be best to look for one that got involved and set up its own exchange.

For full timers, that's typically South Dakota, Texas, or Florida because none of them has a state tax, and none of the three states set up their own health care exchange.

Of these three, SD has the least number of plan providers and from what I've seen looks to have the most expensive ACA plans when compared to TX and FL.

[Jean_S]

There are a lot of states in which the insurance exchanges are working beautifully. They tend to be states which got on board with the program instead of fighting it. The other states will eventually have to improve their access, but it will take time.

if you ae able to change your domicile state, it would be best to look for one that got involved and set up its own exchange.

[Aridon]

If you can change your domicile I'd recommend looking at another state that might have better options. Floirda, insurance wise, is a poor state. Excellent for a lot of other things but insurance and trying to register HDT as a MH are two huge negatives for FT RV'rs.

[Jean_S]

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.

[covetsthesun]

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

[rmalik1]

I'd think that AARP may be able to help also?

[rmalik1]

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!

[Big_Katuna]

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.

[empty_nest]

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.

[was_butnotnow]

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.