combat wombat said:
We are on COBRA until March. Then we can either hop onto ACA at close to $60k per year or find a private policy.
We found a good private policy that couldn't cancel you until 65 but they declined my coverage because I have Hashimoto's. Never mind that my thyroid functions normally and I don't have to take any medications for it. They would almost certainly decline covering my husband because he spent 11 days in the hospital in 2021 with Covid.
Sucks. Give Medishare a look. It's not perfect but it's better than nothing. It acts like insurance but not technically insurance. It's a Christian based crowd funding deal, essentially. It's also way cheaper. Our Medishare is $354 per month with $12K deductible. My COBRA rates were going to be $1,800 a month. My ACA rates were going to be the same with a $12K deductible.
If it wasn't for Medishare, I would not have been able to get my procedure done. We also just got a private insurance plan for the long-term, but had to "hide" my issue and not claim the procedure because they would have declined us. So handled it through Medishare to basically get me baselined. Going forward, anything new will be on the official insurance. Our private plan is $1K per month with $12k deductible. I'll cancel Medishare when I'm comfortable doing so. Right now, it's actually cheaper to have both options than just paying for ACA or COBRA.
