- Joined
- Nov 17, 2015
- Messages
- 14,000
I ER'd last summer, with severance + full medical through this August. Yay, timing... we're more than a decade away from Medicare, and budgeted pretty well for HC, assuming the world doesn't completely go insane.
Original plan was to ACA in August-17 under a qualifying change due to job, or maybe COBRA for a couple months and see what ACA 2018 looks like. We would not qualify for subsidies until at least 2019 - even then doubtful/borderline as I have a very small business, so that + taxable gains mean we may still be above subsidy level for a few years.
Given how ACA is up in the air right now, am I thinking right that I should be shopping around more in the open market outside the exchange? For example, my current provider is Aetna - they don't do ACA in FL, but they do offer regular individual plans (half the cost of cobra). Initial review they seem competitive with non-subsidized stuff from BCBS on the ACA. I plan to get quotes from all the biggies, and compare contrast etc. My main "must have" is to keep Cleveland Clinic in network.
Interested to hear from others who are on individual plans outside the ACA or why you didn't do that, anything I should be concerned about with this approach?
Original plan was to ACA in August-17 under a qualifying change due to job, or maybe COBRA for a couple months and see what ACA 2018 looks like. We would not qualify for subsidies until at least 2019 - even then doubtful/borderline as I have a very small business, so that + taxable gains mean we may still be above subsidy level for a few years.
Given how ACA is up in the air right now, am I thinking right that I should be shopping around more in the open market outside the exchange? For example, my current provider is Aetna - they don't do ACA in FL, but they do offer regular individual plans (half the cost of cobra). Initial review they seem competitive with non-subsidized stuff from BCBS on the ACA. I plan to get quotes from all the biggies, and compare contrast etc. My main "must have" is to keep Cleveland Clinic in network.
Interested to hear from others who are on individual plans outside the ACA or why you didn't do that, anything I should be concerned about with this approach?