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Old 05-12-2013, 12:11 PM   #21
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Originally Posted by Mulligan View Post
Thanks for the post.. This is the rate friendliest one I have seen yet. I am almost 50 so I split the difference and estimate to be around $300 a month. Close to a 300% increase over what I am currently paying for similar coverage. But, I definitely prefer getting gouged, more than I do abused, so my budget could absorb that rate. I would hope MO wouldn't cost more than Oregon, so this is an encouraging sign for me.

an actual oregon rate card

and whats covered

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Old 05-13-2013, 02:35 PM   #22
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Originally Posted by ziggy29 View Post
While I wouldn't make political predictions here about what will happen, or posturing about what I think *should* happen, I do think it's still prudent to plan for the future in a way that is prepared to handle asset-based means testing on these programs if they come.

I've based my budget off of of the rates for a 64 year old and a 60 year old (we will be 55 / 50 when I retire). I end up with a 3.8% WR but still get 100% in FIRECalc (and 90% in FIDO RIP) for 40 years. If we continue to be covered through DH's work at current subsidized amounts, or if we get an Obamacare subsidy it will be "gravy", which I will probably leave invested to give me more cushion. If it looks like the cushion is too big in 5 years time I'll consider spending some of it, but not until then.

"For the time being no discipline brings joy, but seems grievous and painful; but afterwards it yields a peaceable fruit of righteousness to those who have been trained by it." ~
Hebrews 12:11

ER'd in June 2015 at age 52. Initial WR 3%. 50/40/10 (Equity/Bond/Short Term) AA.
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Old 05-23-2013, 07:14 AM   #23
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The deadline has passed for insurers to submit plans. According to the Colorado Division of Insurance, 11 insurers submitted "hundreds of plans" for review. The press release here

KFF news blurb here 11 Insurers Want To Play Ball In Colorado’s Marketplace – Capsules - The KHN Blog

Denver – The Colorado Division of Insurance is reviewing hundreds of proposed new health insurance plans designed to offer coverage to consumers and small businesses starting January 1, 2014. The new plans must meet certain federal requirements for benefits and premiums, as outlined in the Affordable Care Act (ACA). This includes health plans sold through Connect for Health Colorado, the state’s new health insurance marketplace. It opens on October 1, 2013, offering plans that begin in 2014.
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Old 05-23-2013, 08:08 AM   #24
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Sounds promising to me. More competition means more options and a real market, which are good things.

"There are three kinds of men. The one that learns by reading. The few who learn by observation. The rest have to pee on the electric fence for themselves."

- Will Rogers
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