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Old 01-07-2018, 06:43 AM   #21
Thinks s/he gets paid by the post
Join Date: Dec 2010
Location: Midwest
Posts: 1,784
Originally Posted by Dreaming of Freedom View Post
You can get on Cobra from age 63.5 until Medicare/65, right? I am only 41 and my husband is 59, and I would like to ER in the next year or two, but I am terrified of the state of health insurance in this country. I don't know if the legislators care about the will of the people anymore, so I believe that pre-existing condition limitations could return. Also, the networks of the individual plans where I live have gotten so tiny and there is no out of network coverage at all; it is like not having insurance at all. Better hope the one hospital you can go to does not have an ER that goes on bypass all the time. Anyway, if anyone one here does know of a state that has good PPO insurance plans with some out of network coverage, please let me know. We are willing to move for decent health insurance! In fact, I am so frustrated with health insurance/ healthcare in the US, I am seriously considering retiring to Mexico in a year or two. I would love to learn about other options to research though. I worry death could come even faster if I become underinsured and can't obtain treatment for something super costly like treating breast cancer.
You are buying into much of the "crisis" reporting of health insurance by the media. Out of network does not mean no coverage (emergency care must be provided by law at any hospital). My DW has restricted network coverage, but we still travel the USA. If you are considering moving, go to the ACA marketplace online, and plug in zip codes in other states. And talk to a local health insurance agent in your area about your options. Do your research, it may not be as bad "out there" as you have been led to believe. Don't let health insurance keep you from chasing your dream of ER.
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Old 01-07-2018, 07:54 AM   #22
Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: South central PA
Posts: 3,445
OP, look into locum tenens work. Years ago I worked with Weatherby, and our group uses them. Work as much or as little as you want. They don't offer health insurance directly, but as a self-employed physician, you get serious tax breaks on health insurance premiums (they are taken off 100%) on the first page of your 1040. The National Association of Self Employed (NASE) has access to insurance.

In theory, you could work a few days per month or take a full time assignment somewhere you want to live. The company pays housing, transportation, and meals. They cover malpractice insurance as well.

While I was writing this, I peeked at job openings in the west. There was a position in Hawaii that was M-F with no call. Something like that would be a no brainer.

You have more flexibility than you realize.

After 3 years, two years working part time as an independent contractor and one year off, I decided to go back. I'm working 11 hospital shifts/month and I get full benefits. I did it for health insurance stability.
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