There was a thread dealing with ACA and "Obamacare" that was closed down by the moderators because of sniping and politics in the thread. THIS IS THE MOST IMPORTANT ISSUE AFFECTING CRUISERS LIVING ABOARD
IN OTHER COUNTRIES.
We had a "catastrophic" care plan by Blue Cross Blue Shield that had a $10,000 deductible. We have never reached the deductible, so essentially this is just money
we spent to insure against a catastrophic illness. We paid about $650 per month. That plan is not considered ACA compliant, so it has been cancelled, and the "mapped plan" with its "added benefits" (that we will never use) is $1,200 per month. This borders on making cruising impractical.
I understand that if you live out of the country for 330 days a year, you can get an exemption from buying
a policy, but we spend 60-90 days in the US, depending on circumstances. We are considering going "naked," with NO insurance
at all, for the first time in our lives. It seems like the opposite effect of what is intended. It's a not a good choice, but it may be what allows us to stay out here. We will pay a penalty, initially of 1% of income
from what I understand. And that penalty is, of course, for nothing. If we get cancer or seriously sick in some way we will not have coverage.
For routine care I find the European system to be fine. We are now in Turkey
and health care
is affordable and available. Still, like many others, if I get seriously sick I want to go "home" for treatment.
I am interested in what others see as the best options. Stay away from opinions and politics so we can discuss this important issue.