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Post Info TOPIC: 2017 Health Insurance


RV-Dreams Family Member

Status: Offline
Posts: 1662
Date:
2017 Health Insurance


Just sharing this for those of you who did not receive the Escapees email.  Kyle is an RV Dreams member, this is his website explaining the ever increasing bewildering landscape of health insurance options for FT RV'ers.

 

http://www.rverinsurance.com/2017-health-insurance/

 



__________________

FT - July 2013

 

2010 38TKSB3 DRV Mobile Suites

2012 Ford F450

 

Dale and Ruth Travelling with Tazzy Kat!

 

IMAG0142_zps070d30d8.jpg

 

 

 

 



RV-Dreams Family Member

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Posts: 101
Date:

Great article and lots of helpful information.

We are fulltimers and Florida residents and I am sick over the increases in our premiums for two health adults. Now that we are both retired it is a new ball game and having to project our income for 2017.

To say this is a nightmare it being polite!

Susan

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Susan & Gary

2015 Honda Goldwing
2017 Cyclone 3611JS
2007 Dodge RAM 3500 Cummins Dually



RV-Dreams Family Member

Status: Offline
Posts: 43
Date:

Fear of outrageous healthcare costs is what is keeping us from hitting the road! Having employer supplied coverage has us locked in until we can figure out how to conquer it somehow or offset the crazy premiums by spending less on something else. The only other hurdle is selling the house.

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Rex & Bonnie

Ford F-450 diesel DRW 6.7 King Ranch

KZ Durango Gold 370RL



RV-Dreams Family Member

Status: Offline
Posts: 1484
Date:

No doubt Healthcare costs are "outrageously high" but affording it has many moving parts to consider to find a "workable" solution. If your health is good, a high deductible plan might work. If you have other financial assets, you could make some changes to provide additional income. Just sayin'... sometimes you gotta think outside the box to get to the promised land. When we start FT we'll have a couple of years before Medicare kicks in for us, so we chipped away at other budget items to fill the projected "healthcare" gap. We also changed around some lifestyle goals, delayed others so that the overall "dream" could happen at the soonest chance. 

Keep pluggin' away... the path that works for you will present itself.



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Brian, Cindi & Josie (our fur baby)



RV-Dreams Family Member

Status: Offline
Posts: 43
Date:

BiggarView wrote:

No doubt Healthcare costs are "outrageously high" but affording it has many moving parts to consider to find a "workable" solution. If your health is good, a high deductible plan might work. If you have other financial assets, you could make some changes to provide additional income. Just sayin'... sometimes you gotta think outside the box to get to the promised land. When we start FT we'll have a couple of years before Medicare kicks in for us, so we chipped away at other budget items to fill the projected "healthcare" gap. We also changed around some lifestyle goals, delayed others so that the overall "dream" could happen at the soonest chance. 

Keep pluggin' away... the path that works for you will present itself.


 Like minds! That's my goal, to find that path, while hubby keeps working until he just can't take the temptation to move any longer! 



__________________

 

Rex & Bonnie

Ford F-450 diesel DRW 6.7 King Ranch

KZ Durango Gold 370RL



RV-Dreams Family Member

Status: Offline
Posts: 180
Date:

Tough question!!! Health care was the biggest hurdle we faced in our decision to retire early. After 3 1/2 years I can now look back and say it was worth the gamble and sacrifice. That being said it was an expensive gamble. I turned 65 in June 2016 so I have finally reached Medicare age and the gamble is over for me. My wife still has a year to go with ACA coverage.... the gamble is still going.

Our ACA costs (we received no supplement from ACA) was higher than my total Social Security check so we had to watch our budget carefully during those years. Now life is much easier on this side of 65.

Part of our financial plan to make our dream possible was our willingness to live in Mexico for half the year. Living costs here are so low that they finance the other part of our year. Food, transportation, medical, dental, prescription, dining out, taxes and entertainment costs are so low that we can save a big chunk of money during our Winter season. The cost of the Pesos is outrageously low this year. "21 to 1" is like getting a 40% increase in our retirement income.

It did take a lot of planning and a bunch of good fortune with our medical insurance and care. Being in Mexico sure helped in several areas. A $245 crown or a $3.00 doctors appointment is far better than the deductible on the medical plan.

Going forward I hope that whatever replaces the ACA will work for early retirees.

Life is one big gamble..... I feel like we have been big winners.

__________________

Russ & Terri Ranger

6 months (Winters) in sunny Mazatlan, Mexico

6 months wandering in the USA in our Monaco 34' LaPalma Motorhome 

http://grandbanksruss.blogspot.com



RV-Dreams Family Member

Status: Offline
Posts: 43
Date:

So great that it's working out for you Russ! That's an out of the box solution for sure!
I'm gonna stick that possibility in our potential plans!


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Rex & Bonnie

Ford F-450 diesel DRW 6.7 King Ranch

KZ Durango Gold 370RL



RV-Dreams Family Member

Status: Offline
Posts: 91
Date:

Health insurance is a real problem for those of us under 65 needing to find our own policy. ACA
worked for us last year, as well as this year.....so far.
When we decided to go for it, we were 5 years away from Medicare. I just had/have a budget set aside that will cover the costs of insurance. I just felt I could not take a chance on our health holding out till we both reached 65 to chance it. It is a bit of a gamble, but one we felt worth the risk.
There are options out there depending on your health. Keep looking and researching, it's so worth it!

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2014 Dodge 3500 Diesel Dually Truck

2014 Heartland Landmark Key Largo

Finally on the road September 2015 !



RV-Dreams Family Member

Status: Online
Posts: 3469
Date:

Health issues are why we retired early and this year our group plan folded and we are now on an ACA plan. We have needed our health insurance as fulltimers for real issues, even though we are younger than Medicare age. We are very worried about the future.

__________________

Bill Joyce,
40' 2004 Dutch Star DP towing a 2012 AWD Chevy Equinox
Journal at http://www.sacnoth.com
Full-timing since July 2003

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