General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsAnyone got numbers for a couple in their 50's getting insurance from the exchange?
I'm curious about the numbers but don't want to bog down the system with curiosity seeking.
RockaFowler
(7,429 posts)Right now it says for me and my husband (I'm in my 40's - he's in his 50's) it will cost us $515 per month for the Bronze package. I live in Florida, so your state may be different.
I currently have coverage for me and my husband through my work and it costs me $300 a month for a worse plan. This $515 a month looks pretty good to me
LondonReign2
(5,213 posts)They've been helping enroll post-65 folks in medicare plans as well as people looking for individual plans
https://www.extendhealth.com/help/speak-to-an-expert
whttevrr
(2,345 posts)I just read a post that said that:
So maybe Ann Coulter isn't right, right?
enlightenment
(8,830 posts)Depends on their age - I realized that a couple of years age difference in my state equals an $80 difference in premium for an identical plan/income/etc.
Depends on the state.
Depends on their combined income (assuming it is combined) and whether or not they are eligible for a subsidy.
Depends on what kind of coverage they want.
There is no one-size-fits-all answer.
grantcart
(53,061 posts)Given the interest folks have in understanding the process, some may be interested in fuller details.
After I finished the process with Marketplace I received an email from Health Net and on 10/10 received a letter of welcome.
Today I went on the site and they confirmed the following details.
Gold/HMO Cost is $ 757 per month (for wife and I, soon to turn 60) living in AZ.
After the subsidy we pay $ 444. (If our income changes subsidy could go down.)
Here are the coverage details:
Deductible: None
General copay: 20%
Out of pocket limit: $ 6,000 individual, $ 12,000 couple
Limit on plan payout: none
Referral needed for specialist?: No
Primary care visit: $ 30
Specialist care visit: $ 60
Preventative: None
Generic Drugs: $ 20
Preferred brand drugs: $ 50
Surgery: 30%
Emergency room: $ 150/visit
Ambulance: none
Hospital: $ 500/stay
Eye/glasses: no charge
They include a couple of examples in coverage:
Having a baby: $ 7,540 cost, patient pays $ 1,200
Managing diabetes: $ 5,400 cost patient pays $ 1,520
I understand that many are still struggling with the national website (although reports are that the state sites are working much better).
Some people are having frustrations verifying and uploading documents. You might have better luck walking into one of the clinics that have been set up to assist people in signing up.
You can find the nearest bricks and mortar site here: https://localhelp.healthcare.gov/
I misread the instructions on the insurance companies website so I called their website and we figured it out together.
They were surprised that I had already gotten a letter (in fact I got it last week).
I am sure that there are cases of hiccups but in my case the transfer of file information from the ACA Marketplace to the insurance company was actually the smoothest part of the process.
Now I am only awaiting payment instructions and will be covered Jan 1st.
Good luck.