US Health Insurance “Challenges”: HELP!

ACA seems like your only viable option—in fact one of the reasons it was created was for those who are nearing 65 but don’t have insurance.

Not all ACA plans are restricted to one state but many are.

Could one of you get a family insurance policy in one state that covers both of you and the other get one in the other state?

If not a lot of doctors take it, just find one that does and let this only hold you over until you’re 65. Another choice is to get healthcare at your local community health center for a small fee.

Another choice is to get an ACA plan in one state but make sure the ACA plan as some out of network coverage in case you’re in another state.

When you’re in your home state, have your annual physical. When you’re in the second state, only trigger insurance of there’s an emergency

Or move to socialist hellholes such as: Canada, United Kingdom, Czechia, Denmark, Finland, France, Germany, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, Japan, Malaysia, Singapore, South Korea, Taiwan, Thailand, Australia, New Zealand, or Costa Rica.

Suicide is the only option here

You will need insurance when the Rentboy you both hire starts punching you to steal your money

Before Obamacare, I had a Kaiser Permanente plan for myself. Kaiser exists in many locations so you may want to check that out. The drawback is you have to use all Kaiser docs, but for the year or so I had the plan it wasn't an issue

Those ‘’ socialist hellholes’’ are looking better everyday.

Do you have homes in two states? If that's the case, get rid of one of them.

Can you do concierge medicine/ direct primary care and then get a policy through the exchange that would cover more major care? Health insurance is this country is a disgrace but the laws under the ACA should stop you being denied coverage for preexisting conditions.

It’s really dependent on the state. NY ACA has out of network options - which I can use out of state. Insanely expensive but it’s a backup. What I hate is that ALL NY plans are HMOs - requiring a PCP referral for every little thing for it to be covered. It’s THE biggest expense of retiring before 65. $20,000/year and still a have lots of copays/deductibles.

The way I make it work is flying to NY for anything other than an emergency. If I ever get seriously ill, I’ll have to live in NY full time.

OP, it disgusts me that we live in a country where we must even have this conversation. I hate it here.

Thank God I have VA. You know youngsters should enlist just for the benefits later on.

[quote]We live in two states for half of each year and we’ve been told by experts that ACA / Obamacare policies only cover you in a single state.

Pick one.

r12=Pete Hegseth

You have enough money to own and maintain two homes and travel between them, but you don’t have money for health insurance? Fucked up priorities.

Well, no R12. If he said that I didn’t know.

I was thinking they were rich fucks too R15.

You should never let your health insurance lapse. Why did you let that happen?