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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I never understand these posts.  I pay $155/month for a high-deductible plan for one person, up from $135/month last year.  It is a high-deductible plan ($10,000 deductible) but I'm 42, rarely use it for anything other than a physical and some bloodwork, and save for this in my HSA. It was a pre-Obamacare plan that was grandfathered in, so I know I got something of a good deal.

But I am planning for early retirement and don't see healthcare as some huge obstacle to this, as others seem to. Serious questions here:

1) Did I just win the lottery with my health plan?

2) Do prices go up that much as you get older?

3) Am I just unusually healthy?  I've calculated that even if I developed some serious condition and had to pay the $10K out-of-pocket max every year, I could easily swing that.

4) What else am I overlooking??  I just don't see healthcare as the huge obstacle that others do.[/quote]

In part your age. Also, do you have a strict HMO plan with limited doctors you can go to? As you age and start needing specialists, many limit insurance plans. The ones I have seen require PPOs. No HMOs. But as long as you have any doctor you might need in your plan, then yes, you've hit the health insurance lottery. [/quote]

Do you work for yourself or someone else? Prices rice as you age.  [/quote]

Not the PP. I read it to mean he is self-employed. Also, he might have a lower income, which makes a big difference in Obamacare.[/quote]

I'm the PP who asked.  Yes, I'm self-employed.  However, it was a pre-Obamacare plan (i.e., not purchased through the exchanges), so I don't think income was a factor.

I certainly was low-income when I first bought the plan circa 2006, though I'm not now.[/quote]
Your pre ACA plan may not cover everything and have a lifetime cap max.  You might want to double check how your insurance really works regarding this because one can easily reach the lifetime cap with a serious illness like cancer.

Also, as you age, you will have more health issues.[/quote]

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