Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 11-06-2015, 05:16 PM   #21
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Posts: 1,650
Quote:
Originally Posted by Fermion View Post
Hmm, well I chose a PPO that looked like the same one as my old zip code (Premera multi state 3000 blue cross blue shield). I am thinking the network would be the same as there is no indication it is a different insurance plan, just a larger subsidy is being provided by the exchange ($650 vs $450) for simply being in a different zip code.
My test was the same plan, but when I looked for hospitals and used the new zip, it came up with different hospitals. I will run it again to see if it had a mileage setting that limited it. The difference was huge even just below the cliff with the subsidy (subsidy doubled).
__________________

__________________
bingybear is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-06-2015, 05:27 PM   #22
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Posts: 1,650
Quote:
Originally Posted by bingybear View Post
My test was the same plan, but when I looked for hospitals and used the new zip, it came up with different hospitals. I will run it again to see if it had a mileage setting that limited it. The difference was huge even just below the cliff with the subsidy (subsidy doubled).
there was a mileage limiting list box that was off the screen when I checked first. This one looks like it will cover at other locations around here.
Now.... would I really want to move there? We actually were looking at buying land there. hmmmm.
__________________

__________________
bingybear is offline   Reply With Quote
Old 11-06-2015, 05:33 PM   #23
Thinks s/he gets paid by the post
 
Join Date: Sep 2012
Location: Seattle
Posts: 2,904
I am not seeing any difference in the plans...the benefit link actually looks the same when examining the same Premera plan from the different zip codes. It might be worth a call to Premera to verify this is true.

My wife just asked a good question. If you do not have a home without wheels, are you not really just considered homeless? The homeless are allowed to have insurance, vote, etc. How do they do it?
__________________
Fermion is offline   Reply With Quote
Old 11-06-2015, 06:06 PM   #24
Thinks s/he gets paid by the post
 
Join Date: Mar 2004
Posts: 1,988
Quote:
Originally Posted by MichaelB View Post
Keep in mind that the "location advantage" only last to age 65. Once you are eligible for Medicare most of these private insurance pricing and policy differences disappear.
I have not found this^^ to be the case. When I was recently shopping for age 65 Medigap (supplemental) coverage, there were all sorts of differences depending on your home location. Some plans simply weren't offered at my 'snowbird' address. And I noticed pricing changes as I played with various zip codes.

omni
__________________
omni550 is offline   Reply With Quote
Old 11-07-2015, 02:11 PM   #25
gone traveling
 
Join Date: Oct 2007
Posts: 1,135
Quote:
Originally Posted by wmc1000 View Post
just checked our county and surrounding counties in indiana - only about a $5 per mo. swing among them - urban/suburban slightly less costly than rural counties it appears

Which county in Indiana ? Healthcare in that state seems way more expensive vs other areas of the USA. Guess more Medicaid enrolled or just fewer service providers.
__________________
papadad111 is offline   Reply With Quote
Old 11-07-2015, 02:39 PM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Nov 2007
Posts: 7,526
Is there a data dump or xls file with all plan premiums by zip code? Find the zip with the most expensive 2nd lowest cost silver plan and that will maximize your subsidy on all other plans.
__________________
Retired in 2013 at age 33. Keeping busy reading, blogging, relaxing, gaming, and enjoying the outdoors with my wife and 3 kids (5, 11, and 12).
FUEGO is offline   Reply With Quote
Old 11-07-2015, 03:05 PM   #27
Full time employment: Posting here.
 
Join Date: Jan 2014
Posts: 661
Quote:
Originally Posted by FUEGO View Post
Is there a data dump or xls file with all plan premiums by zip code?
Data for developers and researchers. Plans are priced by county.

https://www.healthcare.gov/health-an...s-and-issuers/
__________________
MBSC is offline   Reply With Quote
Old 11-07-2015, 04:23 PM   #28
Recycles dryer sheets
Theseus's Avatar
 
Join Date: Aug 2013
Posts: 484
From the 2014 data at https://data.healthcare.gov/dataset/...Data/yaaf-rjhy I'm finding the Georgia counties of Baker, Calhoun, Clay, Crisp, Dougherty, Lee, Mitchell, Randolph, Schley, Sumter, Terrell, and Worth to have the highest SLCSP.

* edited that this is 2014 data
__________________
Theseus is offline   Reply With Quote
Old 11-07-2015, 04:35 PM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Brat's Avatar
 
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 5,913
Quote:
Originally Posted by rodi View Post
As a fan of living coastal - it sounds good to me. And it doesn't look like *that* long of a drive to go to Oregon and buy big ticket things without sales tax.
Yes, from Long Beach go over the Astoria Megler Bridge and it's a short drive to Costco. If you have PX privileges I understand they have an excellent liquor store in Astoria.

Watch your driving in Astoria. I swear that local law enforcement has their own "sales tax".

Another advantage: Pacific County doesn't have auto emissions testing.
__________________
Duck bjorn.
Brat is offline   Reply With Quote
Old 11-07-2015, 04:40 PM   #30
Moderator Emeritus
Bestwifeever's Avatar
 
Join Date: Sep 2007
Posts: 16,372
Can't the exchanges switch it up again next year and every year? Might you be moving every twelve months for the lower premium or better coverage?
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
Bestwifeever is offline   Reply With Quote
Old 11-07-2015, 04:52 PM   #31
Thinks s/he gets paid by the post
 
Join Date: Sep 2012
Location: Seattle
Posts: 2,904
Quote:
Originally Posted by Bestwifeever View Post
Can't the exchanges switch it up again next year and every year? Might you be moving every twelve months for the lower premium or better coverage?
I think it might be based on where you can get access to healthcare without a drive. It is probably unlikely they will build a big medical center in the Long Beach area since the population density is really low. Thus it may be likely they always have a bigger subsidy than other places in the state.
__________________
Fermion is offline   Reply With Quote
Old 11-07-2015, 05:01 PM   #32
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Brat's Avatar
 
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 5,913
Odds are Pacific County residents utilize Astoria health care providers. On a side note: Life Flight insurance would be a wise add-on.
__________________
Duck bjorn.
Brat is offline   Reply With Quote
Old 11-07-2015, 05:43 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Nov 2007
Posts: 7,526
Quote:
Originally Posted by SCGamecock View Post
Data for developers and researchers. Plans are priced by county.

https://www.healthcare.gov/health-an...s-and-issuers/
Maximum subsidy for a 60 year old couple is in Alaska. The second lowest cost silver plan is $3,054 per month, which equates to a subsidy of almost $36,000 per year for those with a very low AGI.

The smallest subsidy for a 60 y.o. couple is in Indiana in Clark and Howard counties at $800 per month ($9600/yr).
__________________
Retired in 2013 at age 33. Keeping busy reading, blogging, relaxing, gaming, and enjoying the outdoors with my wife and 3 kids (5, 11, and 12).
FUEGO is offline   Reply With Quote
Old 11-07-2015, 09:36 PM   #34
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Rocky Inlets
Posts: 24,412
Quote:
Originally Posted by omni550 View Post
I have not found this^^ to be the case. When I was recently shopping for age 65 Medigap (supplemental) coverage, there were all sorts of differences depending on your home location. Some plans simply weren't offered at my 'snowbird' address. And I noticed pricing changes as I played with various zip codes.

omni
Yes, you are right, even with MediGap there are differences in premium and policy availability. I think the ACA policy issues are an order of magnitude more difficult to deal with. No matter what your age or where you live, health insurance is a neverending challenge.
__________________
MichaelB is offline   Reply With Quote
Old 11-07-2015, 10:00 PM   #35
Recycles dryer sheets
 
Join Date: Mar 2009
Posts: 57
Fermion, please let us know what you find out about WA, Ocean Shores, residency, etc. We are considering Ocean Shores and Anderson Island in WA as places to buy a lot to build on later. We also will own no land anywhere else. We will also be getting an ACA plan sometime next year, so I am very interested in how it works out for you and what they tell you about changing residency, etc. Thanks! I had not checked out the ACA plans for both places but will now! Thanks!
__________________
Diver is offline   Reply With Quote
Old 11-08-2015, 08:24 AM   #36
Thinks s/he gets paid by the post
 
Join Date: Sep 2012
Location: Seattle
Posts: 2,904
Hi Diver,

One caution on Ocean Shores lots. Doing some further research I found out Eric Estrada was a spokesman for some big land deal there a few years back which suckered in a lot of 'investors'. Essentially things were priced up to 3 or 4 times the regular value and they had auctions at places like the Sheridan (where I normally think of timeshares and self help gurus).

The city stepped in and decided to pave all of the roads and install a sewer system, and they assessed the lots $5000 to $10,000 each for this. A lot of people who had purchased several of the overpriced lots were then facing this huge extra bill. Hundreds were just let go into tax foreclosure.

When you are looking for lots, make sure the LIDS and SIDS have been paid off before you buy, or buy cheaper knowing you have to pay these. These are the assessments that were made.

With all of that said, it does look like you can get a small quarter acre lot for $10,000 which sold for $40,000+ a few years ago. Hopefully the city doesn't decide they need new street lights or something in the future.
__________________
Fermion is offline   Reply With Quote
Old 11-08-2015, 11:58 AM   #37
Recycles dryer sheets
 
Join Date: Mar 2009
Posts: 57
Thank you, Fermion! That is very helpful info for us. I will be careful as we keep looking. I did see that some lots mentioned that either/or LIDS or SIDS were paid or unpaid, and some mentioned nothing. I did not even know what it was (!), but knew it was something to check out before we got too serious. Thanks for filling us in! Really appreciate it. It's a small world sometimes, isn't it? Gotta love this forum...
__________________
Diver is offline   Reply With Quote
Old 11-08-2015, 01:17 PM   #38
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Brat's Avatar
 
Join Date: Feb 2004
Location: Portland, Oregon
Posts: 5,913
Keep in mind the fact that Long Beach (WA), Ocean Shores and Salashan are sand spits subject to the vagaries of the sea. Properties on the eastern shore of their bays high enough to see the ocean waves may be better long term homesites.

My husband won a design competition for a place at the end of the Salishan spit. What won the day was that it was 3 separate buildings connected by wind screens - flood insurance is a per-building policy at the time.
__________________
Duck bjorn.
Brat is offline   Reply With Quote
Indiana healthcare costs
Old 11-09-2015, 07:08 AM   #39
Recycles dryer sheets
 
Join Date: Apr 2013
Location: Fishers
Posts: 383
Indiana healthcare costs

Quote:
Originally Posted by papadad111 View Post
Which county in Indiana ? Healthcare in that state seems way more expensive vs other areas of the USA. Guess more Medicaid enrolled or just fewer service providers.
The counties surrounding Indianapolis are relatively cheap than other counties in Indiana - i.e., if you go up to the northeast corner of Indiana the cost runs $200+ more per month.
__________________
wmc1000 is offline   Reply With Quote
Old 11-09-2015, 09:15 PM   #40
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,391
Quote:
Originally Posted by Fermion View Post
...My wife just asked a good question. If you do not have a home without wheels, are you not really just considered homeless? The homeless are allowed to have insurance, vote, etc. How do they do it?
Many full-time RV'ers register their vehicles and themselves in South Dakota. To do that, all you have to show is that you have been in the state for 24 hours. A motel receipt or even an RV campground receipt will do to get you a SD driver license and registration for your vehicles. For an address, people rent a mail box service, which also does mail forwarding for you. So, you have an address and are not homeless. I don't know what they do for health insurance coverage.

Happy voting in SD state election.
__________________

__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
ACA premium changes for 2015 (some way up, others way down) FUEGO Health and Early Retirement 14 11-18-2014 12:43 PM
2015 ACA Premium Increases Htown Harry Health and Early Retirement 134 10-24-2014 11:51 AM
Good News: CA ACA 2015 premium rates footenote Health and Early Retirement 6 08-01-2014 06:21 PM
Employer Sponsored Health Insurance Premium Reduction Programs Derslickmeister Health and Early Retirement 17 02-26-2014 11:19 PM
ACA premium subsidy & tax return ipotrader Health and Early Retirement 11 01-22-2014 02:34 PM

 

 
All times are GMT -6. The time now is 12:47 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.