kite_rider
Recycles dryer sheets
- Joined
- Apr 4, 2013
- Messages
- 142
So I've been FIRE'd for over 10 years and have enjoyed a slightly subsidized ACA plan by keeping my MAGI under the 400% of the FPL. But things have changed.. kids have moved on so the family size is smaller (making the 400% FPL harder to maintain) and with a booming stock market I'll be doing some portfolio rebalancing that will for sure knock us over the 400% FPL cliff.
Now that I'm domiciled in south Texas I assume I should only buy ACA plans from the Texas marketplace (someone please let me know what the rules are about this - if there are any..). These plans don't seem to be as nice as the plan I had in Oregon. The biggest issue for me is that they are all HMO's with a pretty narrow 'in network' service area. Retirement allows me to travel all over and if something bad happens to me or DW, I don't necessarily want to be stuck here getting care in the middle of a crazy hot summer.
So even though I appreciate the protections that an ACA plan would provide; the sky-high unsubsidized cost and limited service network has me shopping for alternatives. Ideally, a 'catastrophic' sort of plan that would protect against a terrible accident or a sudden expensive illness that wasn't very expensive would be perfect. Note; we have no pre-existing conditions and use very little health care in a typical year. Anyone else have a plan like this that they LOVE? Thanks
Now that I'm domiciled in south Texas I assume I should only buy ACA plans from the Texas marketplace (someone please let me know what the rules are about this - if there are any..). These plans don't seem to be as nice as the plan I had in Oregon. The biggest issue for me is that they are all HMO's with a pretty narrow 'in network' service area. Retirement allows me to travel all over and if something bad happens to me or DW, I don't necessarily want to be stuck here getting care in the middle of a crazy hot summer.
So even though I appreciate the protections that an ACA plan would provide; the sky-high unsubsidized cost and limited service network has me shopping for alternatives. Ideally, a 'catastrophic' sort of plan that would protect against a terrible accident or a sudden expensive illness that wasn't very expensive would be perfect. Note; we have no pre-existing conditions and use very little health care in a typical year. Anyone else have a plan like this that they LOVE? Thanks