I am 61 (wife is 56) and retired this past May via company buyout. I am riding cobra coverage for myself and my wife for the full 18 months, which will put me without insurance Dec 1, 2020. We are paying ~950/month with cobra.
Our company provided us, as part of the buyout, a generous buyout FSA $afety net for premiums and medical expenses along with retirement FSA accounts with an age adjusted balance.
I have been planning on hitting the marketplace for health care for 2021 next fall OR if necessary, feel pretty confident that I could land a job for a few years to get us to medicare.
I could use my company retirement insurance, but our company retirement insurance is very expensive with premiums around $2200/month for married couple, so that is only an option if my back is against the wall. The FSA money provided would not cover us to 65 if we used company insurance (and it is increasing yearly as you might imagine)
Question 1 is about the month of December 2020. I am asking for suggestions or understanding of the process of getting insurance for one month in late 2020 since the marketplace sign up seems to be closed this late in the year for 2020.
Question 2 is my curiosity about the healthcare.gov emails i get that appear to be the path to sign up for the following year. Just looking for feedback on that process to save me pain and keep me on the right path.
Thank you in advance for any feedback.
Our company provided us, as part of the buyout, a generous buyout FSA $afety net for premiums and medical expenses along with retirement FSA accounts with an age adjusted balance.
I have been planning on hitting the marketplace for health care for 2021 next fall OR if necessary, feel pretty confident that I could land a job for a few years to get us to medicare.
I could use my company retirement insurance, but our company retirement insurance is very expensive with premiums around $2200/month for married couple, so that is only an option if my back is against the wall. The FSA money provided would not cover us to 65 if we used company insurance (and it is increasing yearly as you might imagine)
Question 1 is about the month of December 2020. I am asking for suggestions or understanding of the process of getting insurance for one month in late 2020 since the marketplace sign up seems to be closed this late in the year for 2020.
Question 2 is my curiosity about the healthcare.gov emails i get that appear to be the path to sign up for the following year. Just looking for feedback on that process to save me pain and keep me on the right path.
Thank you in advance for any feedback.
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