freetodream
Recycles dryer sheets
We are trying to decide which direction to go with health insurance. We are both presently on the same high cost/low deductible plan that runs about $1300/month for my wife & $500/month for me. We can both stay on this plan until we are both 65. I am OK with my monthly cost and plan to stay on the plan until Medicare @65. We have (low key) pre-existing conditions but are healthy.
We could save about $800/month by switching to a state plan under ACA for 2018 for her after the federal subsidy is subtracted from costs based on our fixed income. If either of us drops our present group plan, the rules/policy say you can't get back on the plan. She still has several years before she reaches 65 medicare age.
It looks like 2018 is a safe bet using ACA; after that who knows. What happens to the pre-existing portion of the law remains extremely important to me/many & we presently don't know the future of that topic. It remains quite painful to pay out $22000/year on our present policy for the next several years. It would be extremely painful is she drops of our policy, goes on ACA & the "pre-existing goes away after next year.
Should we take the risk and start on ACA for 2018? If your situation is similar to ours have you made that decision to switch to an ACA plan?
We could save about $800/month by switching to a state plan under ACA for 2018 for her after the federal subsidy is subtracted from costs based on our fixed income. If either of us drops our present group plan, the rules/policy say you can't get back on the plan. She still has several years before she reaches 65 medicare age.
It looks like 2018 is a safe bet using ACA; after that who knows. What happens to the pre-existing portion of the law remains extremely important to me/many & we presently don't know the future of that topic. It remains quite painful to pay out $22000/year on our present policy for the next several years. It would be extremely painful is she drops of our policy, goes on ACA & the "pre-existing goes away after next year.
Should we take the risk and start on ACA for 2018? If your situation is similar to ours have you made that decision to switch to an ACA plan?