With all due respect, with the ACA you are paying for coverage that we as retirees don't need. This new coverage doesn't include maternity or mental health. Just an example of what we currently pay for with Golden Rule. As far as a penalty....the penalty is so low for not having a policy that is compliant with the ACA that even if we had to pay that we are still so far ahead of the game. USHealth, for us, is a much better coverage for our needs. Everyone's needs are different. I wouldn't poo poo it until you've spoken to a representative and obtained all of the facts. Health insurance is a personal choice and it is what will work for us. I simply wanted to reach out to those who didn't qualify for Medicare yet because health insurance for us is extremely expensive and I found a better plan for less money. I can't answer all questions because I'm not an expert, however, someone representing this insurance can. You have to make your own choices, but for us it was head and shoulders better than what we currently have.
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