Retired before age 62? Tell us about your health insurance! (COBRA, silver, cost)
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Most insurance these days allows domestic partner coverage - no marriage or dependent status required. Certainly was true of my former employer insurance since the year 2000 at least, possibly much earlier.
I can claim any income I want to because I retired entirely on savings. The problem is that my ACA Marketplace policy is $1500/month (I'm 64 now). Max subsidy I can get is about $300; posting income below what I put, they shunt me to Medicaid. Medicaid is junk - I don't want it. Nobody I go to accepts it. After about 59, your premiums will increase drastically. Mine sure did. It's an actuarial thing.
Of course. 2 straight guys can just be roomies, never lay a hand on each other, and qualify as partners for getting bennies. I know a few that do exactly that.
Of course. 2 straight guys can just be roomies, never lay a hand on each other, and qualify as partners for getting bennies. I know a few that do exactly that.
I know two gay people different sex that married each other to get citizenship in both Countries.
Unless my place gets bought out I have free medical for life for my family.
Since the legalization of same sex marriages, many companies (employers) have dropped domestic partner coverage.
That makes sense.
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Originally Posted by Qwerty
It is pretty rare to find an employer that offers this, even back when you were employed, your employer was one of the few that would have offered that coverage. Insurance companies are not usually the ones that set the qualifying standards for this, it is the owners of the policies--the employer.
The health insurance is self-funded, so the partners/owners had to agree to this. Current 2015 online profile says this:
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firm initiatives, including: benefits for domestic partners and transgender employees; retirement benefits for same-sex partners; comprehensive health care coverage for transgender employees; providing pro bono work specific to LGBT-related issues; LGBTA (Lesbian, Gay, Bisexual, Transgender, and Allies) affinity group.
Since they are constantly recruiting the very best and brightest from top schools, not being open in this area would limit their access to talent. Main office in WI, other offices acquired through lateral mergers in liberal states such as CA, IL, NY (and some not so liberal) and in Europe and Asia. Clearly, they have determined it is in their best business interests to be agnostic on this issue.
Of course. 2 straight guys can just be roomies, never lay a hand on each other, and qualify as partners for getting bennies. I know a few that do exactly that.
Maryland still has registered domestic partnerships and yes, the partners can be of any gender, straight or not. The issue is not whether they are having sexual relations but whether the partners have mutually consented to an interdependent relationship and live in the same residence. Perfectly legal.
I personally do not know any individual who is willing to legally share both their assets and liabilities with a partner, but I am aware that there are a few individuals who are willing to legally "partner up" but not get married.
In the last two years, I've transitioned from a workplace BCBS plan during 2015, to BCBS COBRA, to a marketplace ACA plan for 2016, to Washington Apple Health (Medicaid) for 2017.
I've read the concerns about Medicaid. However, I researched the issue both online, and in person with some people locally who have it, and the verdict was reasonably positive. I was able to keep the large local provider GroupHealth, and have managed to keep the same Primary Care Provider that I had with my ACA plan during 2017.
Time will tell whether there is a problem or not. In Washington, if a Medicaid-disqualifying event happens, the patient is pretty automatically and seamlessly transitioned onto an ACA plan corresponding to the new income level. I am working to avoid doing anything that would trigger that provision. As things stand, this plan is completely free for 2017: no premiums; no copays, nothing.
Clearly, things look likely to change considerably in 2018. I will await the changes and deal with them once they're implemented.
^^You are also in a progressive blue state which helps your situation more than you know on several levels. Medicaid in a the red states is a whole different can of worms. Don't ever move to a red state if you need to access social safety nets.
I don't know anyone with free medical for life. You are indeed lucky. Stay with the job.
My husband gets free medical for life for himself and spouse, which I think includes dental and vision. It's a huge benefit and why a lot go for gov't jobs here.
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