HEALTH INSURANCE PREMIUMS IN YOUR EARLY 60s? (to buy, deductible)

[Browsing Duo]

My husband and I (early sixties) are out of the country and are seriously considering a move to MA when we return next year because of, among other reasons, its universal coverage. We are too young for Medicare, and our premiums in our previous state, NYS, are incredibly high. (We've maintained our old coverage because we won't be able to get back into the system at an affordable price because of our age if we let the insurance lapse while overseas. Crazy, I know.)

Question: What would be the monthly premium for people like us in their early sixties? What about for an HSA (which is what we have now)? Anybody out there in our age group who can respond? Thanks.

[CaseyB]

You can check ths site: Commonwealth Connector > Home to get a rough idea of what it would cost.

[Woof Woof Woof!]

Originally Posted by Browsing Duo

My husband and I (early sixties) are out of the country and are seriously considering a move to MA when we return next year because of, among other reasons, its universal coverage. We are too young for Medicare, and our premiums in our previous state, NYS, are incredibly high. (We've maintained our old coverage because we won't be able to get back into the system at an affordable price because of our age if we let the insurance lapse while overseas. Crazy, I know.)

Question: What would be the monthly premium for people like us in their early sixties? What about for an HSA (which is what we have now)? Anybody out there in our age group who can respond? Thanks.

You premiums will be just as high if not higher in MA.

[skytrekker]

Massachusetts will under the Commonwealth connector have programs based on a sliding scale (income).

The dilemma of being too young for Medicare is common- In Connecticut we have a new program based on income as well- with the maximum paid at $259 a month.

[Browsing Duo]

Thanks to all for your responses. I must say that our $2600 a year plan for two people here in France was easier to understand [i]in French[i] than the Commonwealth Connector. I found out what the coverage is for the high-deductible Bronze Plan, but I'm still searching in vain for what the premiums will cost. Is there any first-world country that has a more complicated way of delivering health insurance than our own? It's madness. Why do we put up with it? Oh, right, we don't want a nanny state. I forgot.

[skytrekker]

Browsing Duo

the USA has been brainwashed by the same powers that have lead to the current economic crisis saying that 'Socialized Medicine' is evil- but bailing out or subsidizing the rich is ok- let the little people eat cake- while there is in fact 'socialization' for the CEO's, corporations and wealthy--- Too bad the majority of Americans are dumb enough to buy this- however just perhaps they are beginning to think otherwise.

As for the costs in Massachusetts

See http://www.mahealthconnector.org/por...tte.cachetoken

For 1 person- making up to 300% of the poverty level the cost would be $116 a month I believe.

Compare this with the Connecticut plan recently started
http://chnct.org/Members/CharterOak.aspx

[Browsing Duo]

I agree. People keep crying "socialized medicine, socialized medicine" while we're all on the way to the poorhouse with our bloated, inefficient health care system that leaves millions uninsured. Are the socialized medicine protesters going to turn down Medicare for themselves or their parents when the time comes? Before this administration and Congress larded on all kinds of subsidies for doctors and drug companies, Medicare was run at 15% lower cost than private plans. My mother and mother-in-law's Medicare were easier to manage, and offered more choice, than my own HMO. Countries like Japan, which have universal health care, build cars more cheaply than in the US. Our system is killing us because of the crowd that chants: "Socialized medicine." "Nanny state."

[skytrekker]

Your best bet-avoid the USA- stay in Europe.