Quote:
Originally Posted by Ohiogirl
rates are determined by community and are age-banded, I believe. Perhaps the reason Florida is more expensive (my rates were higher than Ohio also, but not close to 50% plus) is that there are lots of retirees in Florida under 65, and also that Florida did not do the expanded Medicaid.
Now that I'm about to go on Medicare, I also found that the same applies - more expensive if I am a Florida resident for same plan.
Have a good friend who sells Medicare policies in Ohio. She says Florida medical fraud is among highest in nation and that also affects premiums.
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You might be right on some of that. Retired or not, the rate of illness in the under age 65 group should not be extremely different state to state. However, the claims experience could be. Having seen a lot of snowbirds, I have found that in general ( in general, so don't jump down my throat lol), Florida physicians order A LOT more tests and consults than their counterparts up north. The conspiracy theory part of me also suspects that they are using creative accounting to subsidize other cohorts as a result of ACA, but good luck proving it