We were blessed that my company continues its subsidy until both my wife and I reach 65. Most companies don't do that.
If you're in relatively good health, one option is to go only with catastrophic coverage until you are old enough for Medicare. That type of coverage is generally a lot less expensive than the type of insurance most people have from their employer.
With catastrophic coverage, you will have to pay for things like office visits, prescriptions, most lab tests, etc. out of your own pocket. The insurance will only kick in for expensive procedures and hospital stays.
The only catch is as full-timers, you will need a plan that is accepted nationwide.
You may have been able to pay for some of the out-of-pocket expenses with a Medical Savings Account (MSA), but from what I understand, the new health care law will eliminate MSAs. That would have at least allowed you to pay out-of-pocket expenses with before-tax dollars.
Another consideration for full-timers is the state you choose as a domicile. TX, SD and FL are three popular states because they don't have state income tax. However, Blue Cross-Blue Shield of SD will not write health insurance policies for full-timers (they know who the mail forwarders are, so they know who the full-timers are by our addresses), so SD probably won't be a good choice for you, at least until you are eligible for Medicare.
I'm sure there are other options. I hope others weigh in on this question.
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