Health Insurance for Americans that are NOT Retired

[Boatguy30]

It's really crazy how the politics gets into this. "What's left of this country" growth was what 4.5% annual last quarter?

I'm not saying there aren't problems, but as far as healthcare goes you can't have 50% of the people in a government funded fee for service care and call it a free market. That 50% is a rough figure to include all state local and federal employees, Medicare and Medicaid patients.

And the only right wing solutions always seem to assure those currently over 55 "nothing will change" to get their votes. This is complete BS either all of healthcare needs to be free market (no more Medicare) or all Medicare for all.

Either system would involve "rationing" and both would require doctor and health care execs to accept a modest upper middle class salary not a high 6 or seven figure one.

So, not much chance of much happening in the near future I'd say. BTW there are subsidies on all states. Rates vary by state, New York having some of the highest I believe due to all the uninsured immigrants using emergency rooms. I'm not sure why Georgia would be that much less than FL some part of SW Georgia have the highest rates due to few providers and a large uninsured population.

[Snore]

Depending on your resources, and situation, COBRA may offer a better deal than Obamacare. FWIW, my plan is to COBRA till I hit 65.

For those who have not actually eaten it- Government cheese like Goverment peanut butter tastes pretty good!! But like many fine foods, it is an acquired taste.

[Paul L]

Originally Posted by Snore

Depending on your resources, and situation, COBRA may offer a better deal than Obamacare. FWIW, my plan is to COBRA till I hit 65.

For those who have not actually eaten it- Government cheese like Goverment peanut butter tastes pretty good!! But like many fine foods, it is an acquired taste.

Have you priced the Cobra plan? It is a gov mandated plan that requires an employer to offer their existing health coverage to (some) terminating employees at the employers full cost for a period of 18 to 36 months.

[jcapo]

Not sure why Georgia is less costly than Florida either but it was as of two days ago. The freaking gummit a**holes have completely changed healthcare.gov getting ready for open enrollent. I spent 10 minutes looking for a "view plans" link that was there two days ago and has been for a year and now its gone. Ya gotta wait till open enrollment to see the bad news.

The plan I was looking at was the Humana Open Access 4250/6250 PPO plan. Its not available in Florida on the exchange but it is directly from Humana. That plan is close to what my wife has now from Humana that costs $278. When she gets kicked off her current grandfathered plan the new 4250/6250 plan will be $557 from Humana.

That same exact plan on the exchange for Chatham county, Georgia, as of two days ago when you could view plans and prices, was less than the $557 we will have to pay and the subsidy was more than the premium so $0 cost to us.

We can get an HMO policy on the exchange for Florida residents but its useless out of Florida and barely useful in Florida unless you are in your residence county.

I've had official Florida residence for many years, born in St. Augustine, even though a lot of that time was spent out of Florida. St. Brendans in Green Cove Springs is now my official address since we left the dock 4 years ago. Zip code 32043 in Green Cove Springs straddles two counties, Clay and Putnam. Putnam county residents can choose a Blue Cross/Blue Shield HMO Policy. Residents across the street in Clay county can choose an HMO policy from Aetna or BCBS.

Ahhh, I found finder.healthcare.gov. For 2015 the 4250/7250 plan in Chatham county Georgia is now $741.77. I guess Humana had a price increase. I'm in luck. The 4250/6250 is now available for zip 32043 in 2015 for $612.93.

Wonderful, really expensive, gummit website.

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[Snore]

Originally Posted by Paul L

Have you priced the Cobra plan? It is a gov mandated plan that requires an employer to offer their existing health coverage to (some) terminating employees at the employers full cost for a period of 18 to 36 months.

Yes I have and for the record the Continuation of Benefits Rights Act is not a "plan" it is a law designed to protect people who change jobs either of their own volition or otherwise. In the case of those who retire before 65 it filled the gap on healthcare insurance before Obamacare.


IN MY CASE--- COBRA works for me. A few bucks more than an upgraded Obamacare plan, but I get access to great specialists.


But as with every piece of Internet advice


Your mileage may vary
Objects in this mirror may be closer than they appear
Past performance is not an indicator of future return

[Paul L]

Originally Posted by Snore

Yes I have and for the record the Continuation of Benefits Rights Act is not a "plan" it is a law designed to protect people who change jobs either of their own volition or otherwise. In the case of those who retire before 65 it filled the gap on healthcare insurance before Obamacare.


IN MY CASE--- COBRA works for me. A few bucks more than an upgraded Obamacare plan, but I get access to great specialists.


But as with every piece of Internet advice

Exactly, just like ACA is a law not a plan. The plans come from the insurance companies. I've dealt with Cobra plans a few times and each time they were much more expensive than what I could get in an open market. They did offer no change from what I was already getting, so that was nice.

[UNCIVILIZED]

I love how this site has so much information, on varied, & important topics; thanks folks.

... Now if I could just find the Rum Reviews section I'd be all set...

[sailorboy1]

Originally Posted by UNCIVILIZED

I love how this site has so much information, on varied, & important topics; thanks folks.

... Now if I could just find the Rum Reviews section I'd be all set...

Just use the search and you can find the rum thread


Sent from my iPhone using Cruisers Sailing Forum

[SVNeko]

Originally Posted by Boatguy30

This is complete BS either all of healthcare needs to be free market (no more Medicare) or all Medicare for all.

Why must that be?