Hi all, new to the forum, been reading for a while, lots of good info. I had a question regarding heath care for those that are retiring young and have health concerns or a family member with health concerns.
I'm 33 now, and plan to semi retire around 50. I work for mega corp now, and have great insurance, but my son has had a lot of health concerns (cancer) in his first two years, and could have more down the road (currently doing well). My first question is, if I left mega corp, could I even get him covered? Is there a good place to read up on pre-existing conditions and what that means for getting insurance and cost.
It seems to me that I may not be able to leave mega corp until my son is no longer on my insurance, b/c it's very important right now with the high medical bills we have each year. I currently have a HSA, so I max it out, and it helps pay for everything pre tax, as well as it maxes out each year at $9,000.
My last question is, when my son is on his own, for insurance, will he be able to get insured. Obviously a lot could change in the next 20 years, but just curious if anyone has info or experienced something similar.
I'm 33 now, and plan to semi retire around 50. I work for mega corp now, and have great insurance, but my son has had a lot of health concerns (cancer) in his first two years, and could have more down the road (currently doing well). My first question is, if I left mega corp, could I even get him covered? Is there a good place to read up on pre-existing conditions and what that means for getting insurance and cost.
It seems to me that I may not be able to leave mega corp until my son is no longer on my insurance, b/c it's very important right now with the high medical bills we have each year. I currently have a HSA, so I max it out, and it helps pay for everything pre tax, as well as it maxes out each year at $9,000.
My last question is, when my son is on his own, for insurance, will he be able to get insured. Obviously a lot could change in the next 20 years, but just curious if anyone has info or experienced something similar.