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Old 07-31-2018, 09:47 PM
Location: Wisconsin
24,102 posts, read 52,102,070 times
Reputation: 19556
What state are you in?

If attained-aged rated, lowest price now will not be the lowest price 20 years from now - i.e., your 85 y/o premium as a long-term insured will not be the premium of a new customer at age 85 because the book of business on your risk pool will close in four to eight years exposing you to higher percentage increases in premium based on the claims in your group. Unless you are in a guaranteed issue state like NY or CT, or CA, MO, OR which have either anniversary or birthday rules, you will be at the mercy of health underwriting should you wish to switch to a lower priced plan.

Otoh, AARP UHC is community-rated which means premiums are based on the entire pool age 65-xxxxx in your area. With AARP UHC, after age 85, you and the 77 y/o pay the same rate. Further, AARP UHC discounts premiums for those under age 77 and gives additional discounts when two spouses are insured. At age 85, the difference between a community-rated plan and an attained-age plan can easily be $1,000-$1,500 a year or more.

Afaik, only AARP UHC writes community-rated plans throughout the country (except FL where its plans are issue-age) - again with the exception of community-rated states.

Investigate AARP - many people here are insured with AARP UHC. If you are healthy, also look into the high-deductible Medigap F - which has very low premiums and caps your 20% exposure at $2,240. Many people on this forum also have chosen the HD-F.
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