It really depends on your personal needs and risks, and you don't want to be talking about those in a public forum. If you have no pre-existing conditions and no known risk factors, you could take a chance. But if you have any health care utilization now, or any risk factors, add up what it is costing pre-insurance, or what one of those risk factors is likely to cost if it develops. That's the only way you can have a reasonable basis for knowing what to spend. I'm guessing that since you have options at all outside of COBRA before your state exchange goes into effect, you must not have any pre-existings, though.
Also, you can be too poor to qualify for the subsidy. Has your state approved the Medicaid expansion?
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07-31-2013, 03:09 PM #1
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07-31-2013, 03:12 PM #2
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Minnesota has approved the Medicaid expansion. Things are really screwed up for some people in states that are not approving the expansion. No mandate, but no insurance either.
Last edited by goldfinch; 07-31-2013 at 03:17 PM.
Trek Madone 4.7 WSD
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Richard Feynman: “The first principle is that you must not fool yourself and you are the easiest person to fool.”
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07-31-2013, 03:19 PM #3
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The only pre-existing condition: I tend to crash my bike more often than I should. LOL
kajero
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07-31-2013, 03:26 PM #4
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I am currently on Minnesota's risk pool due to pre existing conditions, which will be closing down at the end of the year. So I will be shopping on the exchange too. If you want to compare notes via email come October I would be glad to chat. My current plan is to work with an insurance agent when shopping. I am also thinking about shopping in other states as there is no particular reason I need to remain a Minnesota resident.
To be eligible for any subsidy you will need to buy on the exchange. The absolute cutoff for subsidies at a certain income level means that my spouse and I will not be getting any subsidy. Oddly, it makes sense for some people to divorce in order to get a subsidy. I know a person who has health insurance through work but no family coverage for her spouse. They are not eligible for a subsidy because her income is too high. If they divorce he could get a significant subsidy.
Health insurance reform needs tweaking, it did from the get go. But it isn't going to happen in the near future.Trek Madone 4.7 WSD
Cannondale Quick4
1969 Schwinn Collegiate, original owner
Terry Classic
Richard Feynman: “The first principle is that you must not fool yourself and you are the easiest person to fool.”
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