So far I got everybody beat by a mile.
$1370.96 per month for wife and I through Megacorp "retiree insurance" (i.e. it's not subsidized but I'm allowed to buy through their group plans). High deductible PPO with HSA, deductible is $3200. No dental. I'm 58 and wife is 54.
$1400 a month for two (late 50s),4K deductible. Welcome to Boston, highest rates in the nation. I do have to add that right now we are paying nothing, we are on Medicaid, as they could not process our application due to website issues. Back to 1400 a month in January. BTW - Medicaid is AWFUL.
1668 retiree medical for family of 3
108 retiree dental
$4,000 deductible
$6,000 out of pocket limit
I wonder about dental insurance. When I worked for Chicago the bc/bs plan didn't pay for hardly anything but cleanings.
For my California Blue Shield PPO with a $500 deductible per person, I pay 1691.82 per month for my husband (57) and I (53). It's a group rate, so individual plan would be higher. Our dental is $59.92 per month, and our Vision is $13.29 per month. I continue working just so I can afford health care!
Dental insurance for us would be ~$900/year as I recall. Luckily we don;t have any significant dental issues so we have cleanings/checkups which cost us ~$500/year. Even when we had dental when I was working the benefits were not all that great so we self insure and take our chances.
For my California Blue Shield PPO with a $500 deductible per person, I pay 1691.82 per month for my husband (57) and I (53). It's a group rate, so individual plan would be higher. Our dental is $59.92 per month, and our Vision is $13.29 per month. I continue working just so I can afford health care!
That sounds pretty high. It may be worth it if you/husband have ongoing conditions that require very specialized treatment. If you are both reasonably healthy you might consider some of the various Obamacare plans.
You seriously need to check out the California ACA website. It can't be that expensive. Also, note that with less income, you'll qualify for subsidies.
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It is that expensive. The ACA expands insurance coverage for those under 65 who make up to 130% of the federal poverty level. I don't qualify for that. And I don't qualify for any subsidies. And that's why I continue to work.
It is that expensive. The ACA expands insurance coverage for those under 65 who make up to 130% of the federal poverty level. I don't qualify for that. And I don't qualify for any subsidies. And that's why I continue to work.