Florida Health Insurance Rates
Here's a question I could use some help with:
I recently retired and am under 65. I have had Blue Cross for the last 30+ years, now on a COBRA plan, and have been happy with the insurance. My wife is covered by something else, the terms of which prohibit me from "latching on" to it, so as I plan to move shortly, I need to pick up a Florida based individual plan.
I was however surprised to find out, after checking Florida Blue plans, that the rate for my exact same policy is 53% higher in the Sunshine State. So, has anyone else out there found themselves in a similar situation? I realize it may be a better question for the insurance agent as I move forward, but I suspect I'll get a stock answer such as "Rates are determined by the claims experience in the applicable cohort". Of course this would mean Florida residents UNDER 65 are 50% sicker than in NY, which I doubt.
I could go shopping for other insurers, but I'll never get within 10 miles of Healthcare.gov, so please don't suggest it. Thank you everyone
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