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Old 01-24-2017, 03:47 PM
 
Location: next up where ever I go
588 posts, read 344,665 times
Reputation: 2087

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I am curious....

I am 61 years of age and work a part time job. I took early retirement since my field does not want me.

With healthcare on subsidy I can make it to Medicare. Without it I will spend down my retirement savings to early into a forced retirement and for a chronic condition that I inherited from my father at 10 years of age and it has progressively worsened and has precluded me from many jobs. I do not qualify for disability nor do I seek it. I will take SS in 8 months and counting because I am going to need it.

Do any of you have plans "after" Obamacare.

Please do not give me any rhetoric on "poor choices." This is not a question about judgement of one person's life.

I am looking for straight forward, realistic information as to how to get medical care once Obamacare has been gutted.

Thank you for down to earth thoughts on this matter.
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Old 01-24-2017, 03:53 PM
 
71,536 posts, read 71,712,424 times
Reputation: 49125
there are plans available right now that are not aca plans . one i looked at is 510 a month with 4k deductible and 4500 out of pocket . no charge for tier 1 precriptions and 2 free visits to your pcp a year .that is per person .
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Old 01-24-2017, 03:54 PM
 
Location: Colorado Springs
4,837 posts, read 4,952,340 times
Reputation: 17302
Which State do you live in?

I don't think the ACA will immediately disappear. But I'll bet that Massachusetts has a better plan than say Texas.

You may want to consider moving.
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Old 01-24-2017, 03:56 PM
 
71,536 posts, read 71,712,424 times
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i am in nyc by the way .
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Old 01-24-2017, 04:06 PM
 
5,426 posts, read 3,448,244 times
Reputation: 13704
Some states like Minnesota below have alternatives for those with lower incomes that seem to be separate from Obamacare. Minnesotacare……

MinnesotaCare / Minnesota Department of Human Services

https://www.mnsure.org/shop-compare/...ines/index.jsp
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Old 01-24-2017, 04:28 PM
 
673 posts, read 838,424 times
Reputation: 1183
I have been keeping myself up at night with similar worries. My husband was laid off 3 years ago and we are on Obamacare, but, without subsidies as he has picked up some consulting work on occasion. I am 61, he is 63 1/2. What will we do w/o the ACA? Will there be insurance we can get and/ or afford?

Mathjak, is the insurance you refer to only for your state? I am in SC
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Old 01-24-2017, 04:28 PM
 
71,536 posts, read 71,712,424 times
Reputation: 49125
yes . these are in network plans and everything is local . when i was on cobra i had lifestyle heath plans , medova and they are national .they use the magnacare network . they sell individual plans too .
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Old 01-24-2017, 04:49 PM
 
Location: Colorado Springs
4,837 posts, read 4,952,340 times
Reputation: 17302
The ACA may survive in some states

http://www.vox.com/policy-and-politi...assidy-collins
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Old 01-24-2017, 04:51 PM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
22,561 posts, read 39,944,045 times
Reputation: 23694
I, (early retiree many yrs away from Medicare) would be REALLY happy if they restored the many options I had BEFORE A(?)CA

If nothing shakes out (expected result) I will be using:
  • a Healthcare Expense sharing network. (Medi-share, Samaritans Purse, similar) ~ $150/ month single. (but Not insurance)
  • Living internationally
  • Medivacations (medical tourism, join 15 million people who have used that option for 50+ yrs)
  • Living on luck (not advised but working at the moment and for last yr)
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Old 01-24-2017, 04:52 PM
 
Location: On the road
5,939 posts, read 2,891,210 times
Reputation: 11361
I can understand the worry but it is possible your costs won't change too drastically.

Most of GOP replacement proposals have tax credits to offset costs of premiums that are based on age or a combination of age/income (as opposed to just income with ACA), and at age 61 you'll surely be in the tier with the most advantageous tax credits. For example under Senator Hatch's plan back in 2014 an individual your age would receive tax credits of $4,690 annually. Another upside (financially) is mandate will likely change where insurance plans won't be required to have things like prenatal care that you don't need so there might be plans with lower premiums that suit your needs.

The biggest downside for you is that the proposals widen the band on how much more insurers can charge for age, it is currently 3x but GOP proposals are 5x or 6x. Whether that is offset by age based tax credits and cheaper plans remains to be seen since final numbers are still unknown.
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