Another thing to be careful of with the cheaper (under $1,000/month) plans is the breadth of coverage. We, unfortunately, found ourselves with very severe health issues (out of the blue, never had any issues before) requiring specialty care. The seeming randomness of coverage can be very frustrating, if not down right dangerous. Shands in Gainesville for some treatment, Shands only in Jacksonville for other (even though it is also done in Gainesville). Need specialty care at Moffet in Tampa - forget it, out of network. And on and on.
With Medicare, these issues are greatly reduced.
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