Early retired people—how much is your health insurance premium?

[Anonymous]

Do you go through ACA or something else? Do you arrange withdrawals to have a very low income?

[Anonymous]

2400 a month for two of us in MD mid tier plan bought in the exchange we are in our late 50’s no major health issues

[Anonymous]

$1,890 a month in CO for 5 of us. Bought on the exchange but not subsidized. I'm really happy with our insurance too.

[Anonymous]

Anonymous wrote:2400 a month for two of us in MD mid tier plan bought in the exchange we are in our late 50’s no major health issues

what type? HMO? PPO?

We are in MD, early/mid50s, two kids -- hmo $1100/mi high deductible bronze plan

[Anonymous]

Anonymous wrote:2400 a month for two of us in MD mid tier plan bought in the exchange we are in our late 50’s no major health issues

Is this subsidized? I’m wondering if it’s possible to draw money from accounts that don’t generate income so we have a AGI.

[Anonymous]

I'm 56 and single. Gold plan Carefirst/BCBS PPO w/$500 deductible on the DC exchange is $1000/month, unsubsidized.

[Anonymous]

Anonymous wrote:

Anonymous wrote:2400 a month for two of us in MD mid tier plan bought in the exchange we are in our late 50’s no major health issues

Is this subsidized? I’m wondering if it’s possible to draw money from accounts that don’t generate income so we have a AGI.

*low AGI

[Anonymous]

Anonymous wrote:I'm 56 and single. Gold plan Carefirst/BCBS PPO w/$500 deductible on the DC exchange is $1000/month, unsubsidized.

This is a deal.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I'm 56 and single. Gold plan Carefirst/BCBS PPO w/$500 deductible on the DC exchange is $1000/month, unsubsidized.

This is a deal.

ik,r? I have great coverage. I upped it from Silver to Gold when I became a more intensive healthcare user a couple of years ago. I can see all my favorite specialists.

I work part time/occasionally and always end up making a bit too much for subsidies, but my other expenses are so low that I don't really mind.

[Anonymous]

DH is retired fed. We are both 55. We kept federal BC/BS. We pay around $500ish a month.

[Anonymous]

Anonymous wrote:DH is retired fed. We are both 55. We kept federal BC/BS. We pay around $500ish a month.

Is he a special retirement group? I thought minimum age is 56 or 57.

[Anonymous]

Not aca.

$5300/month for 4 of us. Ppo

[Anonymous]

Anonymous wrote:

Anonymous wrote:I'm 56 and single. Gold plan Carefirst/BCBS PPO w/$500 deductible on the DC exchange is $1000/month, unsubsidized.

This is a deal.

DP: Always check the gold plans. There's weird quirks where they are sometimes less costly than bronze or silver. Check all levels.

[Anonymous]

Anonymous wrote:

Anonymous wrote:DH is retired fed. We are both 55. We kept federal BC/BS. We pay around $500ish a month.

Is he a special retirement group? I thought minimum age is 56 or 57.

He is.

[Anonymous]

Nothing. We do gig work and write off so many expenses we're always able to keep our AGI under the limit.

That said, we chose a crappy bronze plan with a massive deductible. Mid-50s and no health issues, so it's working so far.