Community Chat

[NativeJax]

If you are healthy you might look into an HSA with lower deductible, some have deductibles as low as $3600 and they have low premiums. Look for one that includes an RX plan and wellness visits.

I hope this helps...

[Nancy Drew]

You learn something new everyday. I just saw HSA and googled it. Interesting.

[itiswhatitis]

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@DMM05 wrote:

My husband is retiring very shortly. I am 59 and have been trying to find insurance for me that we can afford. I have been calling around for a few days to get prices and I am literally in tears!  I knew it was going to be rough but the prices are outrageous!! I would really appreciate some advice if you can. Thanks.

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@DMM05, I recommend you get locked in to a good plan as quick as possible.  The prices are staggering, however there is a chance your subsidized tax credit may be less in the future.  Meaning: the tax credit you get now would be based on your age (thus, a lower tax credit for you and your spouse).  This is if you go to the ACA for your coverage.  NOT employer based.

Good luck

[NativeJax]

It's based on income, projected income for the rest of the year, if you are eligible for subsidy your premium will go down. Of course the less income you make the better the plan, if you don't get subsidy then you get higher premiums, higher deductibles and higher max out of pocket. you need to make an appointment with a licensed agent...they should never charge you anything for quotes

[NativeJax]

Correction: premium doesn't change if you qualify for subsidies just what you actually pay will be lower if you qualify for subsidies.

[itiswhatitis]

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@NativeJax wrote:
It's based on income, projected income for the rest of the year, if you are eligible for subsidy your premium will go down. Of course the less income you make the better the plan, if you don't get subsidy then you get higher premiums, higher deductibles and higher max out of pocket. you need to make an appointment with a licensed agent...they should never charge you anything for quotes

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@NativeJax, what is based on your projected income?  Are you speaking of Medicare, COBRA or the ACA?

[Nuttmeg]

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@151949 wrote:

Have you looked into the affordable care act policies ? (also known as Obamacare). Some are expensive but give you significant tax credits. I know someone who is self employed who told me his Obamacare coverage only costs him $45/month. None of us know what may be coming in the future with insurance, but for now at least this is available.

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The ACA is gone. The last sign up date was January 31, 2017. There is a lot of information about health insurance going forward online. 

[maestra]

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@Tinkrbl44 wrote:

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@DMM05 wrote:

My husband is retiring very shortly. I am 59 and have been trying to find insurance for me that we can afford. I have been calling around for a few days to get prices and I am literally in tears!  I knew it was going to be rough but the prices are outrageous!! I would really appreciate some advice if you can. Thanks.

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@DMM05

Are you talking about MEDICAL insurance?  If so, I would think the first thing to do is look into Medicare.    Are you still working?  If so, can you carry him on your insurance? 

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You have to be 65 to receive Medicare.

[NativeJax]

151949:

ACA is not gone. Open Enrollment is over with but OP sounds like she has a qualifying event to enroll. Loss of coverage, birth, death, marriage....you have 60 days to enroll after qualifying event.