Reply to Retirement: Health Care

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[quote=Anonymous]I'm a little younger than you OP and am going through this right now. Depending on your plan and your health you may want to keep COBRA. The cheaper ACA plans (at least in VA) are HMOs, not PPOs and the deductibles are pretty high. A company PPO plan is probably equivalent to most ACA "gold" plans, not the low-level affordable bronze and silver plans. If you're in perfect health, going with a low-level plan may not matter, but if you see a couple of specialists, take any brand-name meds, or see an out-of-network therapist, your costs may go up a lot more than you think.

Also, call every doctor you see and make sure they will take the specific plan you're considering, not just the insurance company (for example, some take United Healthcare but not the ACA UHC plans). And don't go by the search tool provided, it's not accurate. After doing a deep-dive on all of this, I ended up keeping COBRA for over a year and I'd keep it longer than 18 months if it were an option. It's expensive but so much better than what I could get on the ACA, unfortunately.[/quote]

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