Health Insurance - Early Retirees?

M

Morganhorses

New member
Does anyone buy their own health insurance? What is the rate usually for a 62 yr old individual plan? I have gotten 227/mo to as high as 969/mo. How to know if its a scam, too good to be true or a rip off? Thanks for helping. Is Aetna real? I rec'd calls from a broker underwriting with Aetna and worry that those prices of 227/mo were so affordable it must be a scam right? I would love to know what a normal price per month for health insurance is, with no employer involved, however earns too much to qualify for affordable coverage. This is NYS if that matters.
This is for My Mother In Law.
 
We have Aetna because it's the only thing we can afford. They are lousy. A friend of ours has it and feels the same way. If you can afford anything else, don't get it.
"Family Health Plus" is available in New York and I've heard a lot of good things about it. It's for people who retire early and want to keep it only until they qualify for Medicare.
 
Any plan for $227 a month for her, assuming she's in perfectly good health and isn't overweight, is a SCAM, or is extremely limited in coverage. $900 a month would be a FAIR going rate, for a good, comprehensive low/no deductible INSURANCE plan, at her age.

Aetna is real. But you have to look very, very, VERY carefully at the COVERAGE you are getting. For that money, it very well could be no prescriptions, no doctor visits, $10,000 deductible per year catastrophic coverage only.
 
Any plan for $227 a month for her, assuming she's in perfectly good health and isn't overweight, is a SCAM, or is extremely limited in coverage. $900 a month would be a FAIR going rate, for a good, comprehensive low/no deductible INSURANCE plan, at her age.

Aetna is real. But you have to look very, very, VERY carefully at the COVERAGE you are getting. For that money, it very well could be no prescriptions, no doctor visits, $10,000 deductible per year catastrophic coverage only.
 
Hello,
If you are very healthy, or if you already have an individual/family policy, you are in luck. No matter how many medical issues you have had, if you were healthy when you first applied, you are probably still paying the basic premium for a healthy individual of your age. Basic premiums on HSA-qualified health plans range from $158 to $252 a month from top name-brand carriers....
 
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