Under 65~ need health insurance help!

Under 65~ need health insurance help!

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Under 65~ need health insurance help!
  #1  
Old 04-24-2019, 09:39 AM
jgm3279 jgm3279 is offline
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Default Under 65~ need health insurance help!

I will soon need health insurance, as hubby will be turning 65. I am younger....help! Thanks.
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  #2  
Old 04-24-2019, 09:44 AM
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villagetinker villagetinker is offline
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Try talking to SHINE, here is the link: SHINE - Home, they have meetings at 3 or 4 locations in the villages, these are typically advertised in the daily Sun. On a side note, your hubby should also talk to them to get an UNBIASED insurance info, Advantage plans versus traditional Medicare and supplemental, and hoe the villages health system works (3 ADVANTAGE plans only!).

Hope this helps.
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  #3  
Old 04-24-2019, 10:10 AM
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rjm1cc rjm1cc is offline
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Did you look at Obama Care? If you did what was your opinion?
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  #4  
Old 04-24-2019, 10:49 AM
bagboy bagboy is offline
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The Affordable Care Act as of a couple of years ago was the only choice for someone under sixty five looking for individual health insurance. But, this certainly is a question for those who know for sure, SHINE, or a licensed insurance agent.
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  #5  
Old 04-24-2019, 11:05 AM
tophcfa tophcfa is offline
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We have been/are in the same situation. It $ucks. Obamacare is your only option that I am aware of. Be prepared to spend big $$$$$. We are footing the bill for the people that get free/subsidized insurance. There is no FREE, just re-distribution. Before Obamacare I was paying $325 for a very similar plan, now I am paying $1,075 per month. If you want decent insurance and make more than 400% of the federal poverty level, be prepared to spend in excess of $1,000 per month in premiums for one person. You can get a cheaper high deductible plan, but if you need any health care you will be paying 100% for everything out of pocket until the deductible is reached. If you uncover a better option, please share it with me.
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  #6  
Old 04-24-2019, 11:12 AM
biker1 biker1 is offline
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I am not sure what county you are in but if it is Sumter then Florida Blue is pretty much your only choice. They have an office off of 466 - it is worth going in and talking to them. You can enroll through the market place or not. They are the same plans and costs. If you enroll through the market place then you will have the potential of a subsidy depending on your AGI.



Quote:
Originally Posted by jgm3279 View Post
I will soon need health insurance, as hubby will be turning 65. I am younger....help! Thanks.
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  #7  
Old 04-24-2019, 11:47 AM
Marathon Man Marathon Man is offline
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I used the ACA up until this year. The changes in the tax laws made it more difficult to stay under the income limit in order to qualify for a subsidy. Take a look at United Health Care. They have several plans at differing levels of coverage at various premiums. Health care costs can be kept low if you are healthy and you are willing to accept more risk. In the end, I chose to purchase a hospitalization only plan. I will pay cash for my annual check up and lab test. That will put the premium costs into my pocket to cover an additional visit or two the the doctor. Sometimes thinking outside of the box is needed.
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We were in the same boat
  #8  
Old 04-24-2019, 03:02 PM
thetruth thetruth is offline
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Default We were in the same boat

Quote:
Originally Posted by jgm3279 View Post
I will soon need health insurance, as hubby will be turning 65. I am younger....help! Thanks.
We went through the same thing about 5 years ago. My information may not be current
We used Renata Cockburn with Florida Blue. I found her to be, helpful, clear and patient 352 775-3336
Thoughts
1. If you are currently employed ask about COBRA. You have, or we had 18 months at the far lower rate than we could get with private insurance. You may want to also check with groups, unions etc that you belong to.
2. I expect you will find the COST shocking.
3. Assuming you are healthy you might want to consider a catastrophic policy that will be far less expensive.
4. IMPORTANT-I had considered self insuring-if a bill is necessary you pay it out of ???? savings or???????
THE BIG GOTCHA-fortunately my wife convinced me not to self insure. Our cost for insurance was about 24,000 for two of us
OUCH. In my life, I've been in the hospital about 3x so I was thinking I would accept the gamble. Well I would have lost.
I spent 4 days in the Villages Hospital the bill was 50,000. Or would have been 50,000 if I had self insured it. Aetna paid the bill in FULL for 20,000. That was just the hospital bill. Follow up doctor visits etc I do not even recall the number.
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  #9  
Old 04-24-2019, 05:55 PM
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ColdNoMore ColdNoMore is online now
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Quote:
Originally Posted by bagboy View Post
The Affordable Care Act as of a couple of years ago was the only choice for someone under sixty five looking for individual health insurance. But, this certainly is a question for those who know for sure, SHINE, or a licensed insurance agent.

On that subject, I was talking to someone last year who was in that situation, wasn't eligible for a group plan and was going on and on...about how screwed up and expensive Obamacare was.

I told him I empathized with him about how hard it must be, to try and get health insurance in his situation...as an individual under 65 and not being part of a group.

His exact response was, "actually it's not all that bad now, because I was able to get health insurance coverage that I can live with, at a fairly decent cost...under the ACA."

I was, of course...left totally speechless.


While I'm fortunate that I'm not in that situation, I have heard from numerous folks...that SHINE is very knowledgeable and helpful.

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  #10  
Old 04-24-2019, 07:01 PM
Arubagirl33 Arubagirl33 is offline
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Just Curious....What are some of the tax law changes you’re referring too? We’re not Florida residents, yet. We were told by Florida Blue how to keep income below the threshold. The agent told us she has a lot of clients that have a lot of assets and other homes all over the world and they qualify on the exchange by deferring income and keeping their monthly under $4,000. Loophole?!
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