Hi...we are mid forties with young kids....

[KLM14]

I find our situation different than many in that we married late and had children late focusing our early years on accumulation. We are considering ER, have no debt, funded 529 accounts for the kids, 401K and other savings set aside and some workable budget/ER plans, but our large roadblock is health insurance.

No more kids planned and I am in good shape but my wife has a clotting disorder that keeps her on inexpensive meds. We are afraid of pursuing any independent health insurance plans based on her pre-existing conditions.

Any advice on how we focus on this issue?

We appreciate any advice - KLM14

[MichaelB]

Hi KLM14, welcome to the forum. Good job getting to the point where you can consider FIRE. Health care for younger people is clearly an issue, and many members here share your concerns. Have you looked at the high risk pool in your state? Some states have programs that are still open. PCIP is an option, less desirable because of the 6 month uninsured period, but still important to understand https://www.pcip.gov/

[donheff]

Hold off until June and see what the Supreme Court rules. If the current law holds up it seems unlikely that anyone will successfully roll things back to the point that insurers can simply dump you willy-nilly. We can expect changes in the health care law with either party but, unless the whole deal is invalidated by the Court, things like pre-existing conditions, dumping, etc are not likely to come back.