Be careful here
If your wife has a group plan, be sure you know what the cost is and what the deductible, co-pays and coverages are. It may not be worth $80/month to give that up if she is only 58. Know how long she is eligible for her group plan.
Write down any questions you can think of when you talk to the healthcare insurance sales people - some are better than others. Present some "what if" scenarios and be sure you completely understand the answers.
In 2014, I believe, is when healthcare companies can no longer charge more for pre-existing conditions, but not in 2013. Someone correct if I'm wrong about this.
I currently pay $341/mo. for an Aetna/AARP plan (which is technically a group plan - membership in AARP required), but have a $5,000 deductible, $7,500 out of pocket max annually. Not an HSA plan, co-pays for doctor visits and prescriptions. No pre-existing conditions. It is age and community-banded. I think the age band is 60-64. Florida was higher cost than it would have been had we been Ohio residents still for the same policy. My premium actually went down last year by about $80, not sure why.
Friends of mine in Ohio, same age band, pay about the same for a BC/BS $7500 annual deductible HSA plan. Unfortunately, the husband had kidney stones a couple of months ago, and the outpatient charges were at least $7,500.
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