Cruisers Forum

  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on Cruisers Forums. Advertise Here
Thread Tools Search this Thread Rate Thread Display Modes
Old 27-06-2015, 14:23   #1
Registered User

Join Date: Jun 2015
Posts: 2
Health Insurance

I see a lot of talk about health insurance and I am slowly planning on taking a 2 -3 year trip and this is one of my concerns also. It sounds like it is best just to pay for basic medical when outside of the U.S. since it is very cheap. Once back in the U.S. I would need some type of insurance. Looking at all the people who don't work and get free insurance I would think I would fall under the same category. I would not be working while cruising so shouldn't I qualify for free medical or Obama Care? Any suggestions.
Purple Haze is offline   Reply With Quote
Old 27-06-2015, 14:32   #2
Registered User

Join Date: Nov 2012
Posts: 6
Re: Health Insurance

I am also curious about how people handle health insurance. I know that most plans have a "network" and you are penalized for treatment outside of the "network". So if you are traveling how do you handle it? I wouldn't qualify for "free" or subsidized health care. It would be nice to find a plain vanilla catastrophic health insurance plan and use an hsa to cover the small stuff.
wartrace is offline   Reply With Quote
Old 27-06-2015, 19:46   #3
Marine Service Provider

Join Date: May 2012
Location: New Orleans
Boat: We have a problem... A serious addiction issue.
Posts: 3,974
Re: Health Insurance

Traditional catastrophic plans have pretty much been eliminated. I think there are some rare circumstances they can be offered, but they aren't in compliance plans and I think were eliminated generally.

The other options...
1) Medicaid - pretty terrible coverage at best
2) pay full rate insurance
3) find a way to generate $12k in annual income (investment, salary, 401k withdraw) to qualify for the maximum subsidy under the ACA.
4) pay the fine for having no coverage and pay out of pocket for care. Or be out of the country for 330 days of the year.

- If animals weren't meant to be eaten then they wouldn't be made of food.
Stumble is offline   Reply With Quote
Old 27-06-2015, 20:06   #4
Moderator Emeritus
sailorchic34's Avatar

Cruisers Forum Supporter

Join Date: Feb 2011
Location: SF Bay Area
Boat: Islander 34
Posts: 5,486
Re: Health Insurance

If you earn less then $800 ish a month (for single person) you can apply for free healthcare under obamacare, through the state HHS folks. Yes it's medicare and not the best. But doctor visits, labs services etc are 100% covered, including prescriptions.

It's actually there for folks who make up to $13-$14K/year or so, but there is a share of cost, if you earn more then $600 a month. That share of cost thing can make it a very bad deal. Pretty much out of pocket. Think high deductible. it's not the same, but it can work the same way.

If your away from your home clinic area, you go to the nearest emergency room for treatment.
sailorchic34 is offline   Reply With Quote
Old 27-06-2015, 21:06   #5
Registered User
colemj's Avatar

Join Date: Oct 2005
Location: Presently on US East Coast
Boat: Manta 40 "Reach"
Posts: 10,108
Images: 12
Re: Health Insurance

I think it depends on which state you are a residence of. Not all states have expanded medicare, so one cannot take the advantage in those states that sailorchic describes.

Some states have insurance companies that have retained the essence of catastrophic insurance that Stumble says have been eliminated. For example, our previous FL BCBS catastrophic plan was retained for us for the better - for the same price, we now have better coverage and better terms.

It is still pretty much a catastrophic plan, which serves mostly to protect our financial assets should we become seriously ill (I still can't believe that is a sentence a citizen of the most rich and powerful country in the world would have to write). However, it now covers some basic health maintenance costs (flu shots, physicals, etc), while not allowing the insurance to drop us should we really have a health problem.

I know other people in other states that have both better terms and coverage than us, have extended medicare, and do not have something as draconian as "CYA catastrophic plans" like we have (no matter how meagerly our plan was extended under ACA).


You do not need a parachute to skydive. You only need a parachute to skydive twice.
colemj is offline   Reply With Quote
Old 28-06-2015, 04:10   #6
Registered User

Join Date: Jun 2015
Posts: 2
Re: Health Insurance

Thanks for your responses I will have to keep investigating. I would like to retire at 59 1/2 and join the cruising crew and suck some money from 401k and than get SS at 62 if it's still there.
Purple Haze is offline   Reply With Quote

health, health insurance, insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Health Insurance ? irwinsailor Dollars & Cents 150 05-12-2020 09:54
health insurance for non-Americans nettyjetty Dollars & Cents 1 16-03-2008 09:59
health insurance??? bluewater Health, Safety & Related Gear 18 08-02-2007 20:45
Anyone ever USE int'l health insurance?? vilanomark Health, Safety & Related Gear 3 15-01-2007 18:20
Health Insurance CarolD Dollars & Cents 6 19-12-2005 06:01

Advertise Here

All times are GMT -7. The time now is 13:46.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.