USA Healthcare Costs are Ridiculous
- Thread starter osu1991
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Such a scam. Healthcare.gov shows me cheaper individual plans available for 2027 from ambetter that ambetter doesn't show on their website. Looked it up. I've spent $68,000 in premiums the last 5 years and got nothing out of it except a few doctors visits and labs. 
That's why I cancelled ours and just started saving the money. We're about to do the same thing with our home insurance.....not cancel it outright but do away with the portion which covers wind damage. We're paying over $5k right now and that is AFTER I dumbed things down...and it keeps going up. Got a couple trees I want to have taken down first before I do that however. After we do that, it will knock about $3k off our annual premium.
I'm still 7 yrs from Medicare eligibility, but I'm leaning towards going without for at least the next year
It probably depends on your health. My Wife and I are very careful about our health and I take a crap load of supplements, especially antioxidants. Sounds like you don't have any health issues so it might be worth the gamble.
Everyone's experience and circumstances is different. When I was working, we had a High-Deductible Medical Plan the Company and I paid for. We never hit the $3,600/$7,200 deductible as we were healthy, but even with a couple of sports-ball related injuries to Foxbat, Jr., the costs were in-line. He even had the same surgery that the Arkansas QB had to stabilize his ankle joint after a fibula break during football practice. The HSA plan worked as intended, letting us put pre-tax dollars into a fund that could then be used to pay for medical expenses and prescription drugs, or kept year after year to build up in case of a major medical emergency. Sure, I had to pay ~$89/pay period for the Family Medical coverage, but that was under $3,000 a year.
Now that I'm retired, I'm paying under $300/mo. for Part B, under $15/mo. for Part D, and ~$200/mo. for Part G Supplemental. Call it $6,500 a year. I'm sure this will increase as time goes forward, but it depends on how much our AGI is.
Now that I'm retired, I'm paying under $300/mo. for Part B, under $15/mo. for Part D, and ~$200/mo. for Part G Supplemental. Call it $6,500 a year. I'm sure this will increase as time goes forward, but it depends on how much our AGI is.
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