Quote:
Originally Posted by DAVES
I'm not sure what affordable means. Our experience, like you we retired before age 65 so were not eligible for Medicare. Unlike you,
we had only one year till reaching 65.
For two of us the cost, four years ago was roughly 22,000. Due to a preexisting condition they refused to sell us a catastrophic type policy. Truth our medical bills had never been 22,000, policy cost. I tried to convince my wife that we should simply self insure.
Fortunately she won and we shelled out for the insurance.
I spent a week in the Villages Hospital. The bill was 50,000-that is what you would pay if you self insured. The insurance company
Aetna who no longer insures in Florida settled the bill in full for under 30,000.
You might consider taking a job that offers insurance till you reach 65. Even then, medicare is not free.
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I'm confused. The healthcare.gov website says:
"No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started."
As far as I know, this part of the ACA law is still in effect.