Health Insurance Continuation & Moving

[teejayevans]

Quote:

Originally Posted by kramer That seems horribly high. I am one year older, male, and just got a similar policy in California for about $1000/year. You might want to shop around, if that is even possible with your condition. Kramer

She stated she had a preexisting condition, if that was breast cancer
for example, I'd say 10K is a steal. This why getting individual insurance
is better if you are healthly, even if your cobra is lower, because if you
get sick, then your cobra runs out you are screwed. I'd wouldn't be
surprise if any condition (diabetes, high blood pressure, etc) would mean
a 10k+/yr in the individual insurance market.
TJ

[teejayevans]

Quote:

Originally Posted by JustMeUC BCBS is the guaranteed company in NC. The one that has to offer insurance. I was not able to get it from any other company. From what I understand NC has the highest rates in the US.

North Carolina has:
8% income tax
6-7 % sales tax
personal property taxes
high property taxes
they just passed a home transfer tax
..thats why I'm outta here...

God only knows where it all goes

TJ

[LIPhotoMan]

So why the heck are so many people retiring to NC? Those costs are terrible!
Of course, lots of people retire to Manhattan as well, so I guess cost is not the determining factor for some people.

That rate for BCBS in NY is pretty high. My COBRA payments are much less than half of that - but that will end when I am 61 - will have over 3 1/2 years until medicare eligibility.

Have had a pacemaker for 12 yrs - battery lasted abt 10 years until I had to change it. I wonder how badly that will hurt my rate. Nothing else serious preexisting. But I suppose so long as I don't wait more than 63 days after Cobra expires, the preexistong conditions matter for the rate only, not the insurability. Is there a sliding rate scale depending on the nature of the condition? I guess there's not a spreadsheet of some kind that lists the conditions and the ensuing premiums? NAH - That would be too logical, wouldn't it?

[teejayevans]

Quote:

Originally Posted by LIPhotoMan So why the heck are so many people retiring to NC? Those costs are terrible! Of course, lots of people retire to Manhattan as well, so I guess cost is not the determining factor for some people.

Excellent health care, beach/mountains, nice golf courses everywhere,
yes, cost isn't the only factor.
TJ

[FIRE'd@51]

Quote:

Originally Posted by teejayevans Excellent health care, beach/mountains, nice golf courses everywhere, yes, cost isn't the only factor. TJ

Also, IIRC, Newguy has told us many times that housing is relatively cheap in NC. Of course, he is a retired teacher with employer-provided health insurance who came from NJ.