RV News RVBusiness 2021 Top 10 RVs of the Year, plus 56 additional debuts and must-see units → ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > RV LIFE STYLES FORUMS > Full-Timers
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
 
Thread Tools Search this Thread Display Modes
 
Old 05-03-2015, 08:25 PM   #1
MPH
Senior Member
 
MPH's Avatar
 
Join Date: Aug 2014
Location: Southern mountains of New Mexico
Posts: 2,051
3 yrs to 65. How to get insurance coverage?

If I leave FT work before turning 65 (we want to go FT), I had thought I'd be able to get health ins. coverage through the ACA marketplace here in Texas. Now, I'm not so sure.

A young woman I know well tried and was unable to get insurance through the ACA. She and her husband (who isn't covered, either) live on his income alone -- a little under $20k per year. They have a 4 y/o child, who does have insurance through a state program. The woman cannot work as she has a chronic, debilitating health issue. It's genuine. I know her and her health situation. She has been turned down by Medicaid and recently learned she was denied by the ACA marketplace. She said they told her she qualifies financially, but she still cannot get coverage from a carrier. She and her husband are very discouraged. They thought the ACA would answer their problems.

If you have secured health insurance in Texas through the ACA marketplace and are a FT RVer, I need to hear from you! We hope to start our FT adventure before I'm 65 (spouse is there already), but I must know that I can get health insurance before cutting the cord.

Thanks in advance for sharing your experience of success in securing health insurance coverage before turning 65!

M
__________________
Mel & Kate and Zorro, our dashing little Havanese dog.
2008 Crossroads Cruiser 5th wheel
"Be yourself. Everyone else is already taken."
MPH is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 05-03-2015, 10:07 PM   #2
Senior Member
 
Barbaraok's Avatar
 
Alpine Owners Club
Join Date: Sep 2005
Location: Traveling in North America
Posts: 2,127
The ACA was designed for those whose incomes are above the expanded Medicaid level - unfortunately Texas refused to expand its Medicaid classification so there are a lot of people who make to much for traditional Medicaid and too little to qualify for the ACA. Also there might be something else going on if she has qualified for disability through SSI.

Before you say you can't qualify, you should visit the website and run the numbers to see what is available to you using what you think will be your income level. I think you will be surprised.

Barb
__________________
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
Blog
Barbaraok is offline   Reply With Quote
Old 05-03-2015, 11:34 PM   #3
Senior Member
 
mjeffrey's Avatar
 
Join Date: Oct 2011
Posts: 788
We went to healthcare.gov and got insurance (TX residents) in about 45 minutes.

Call them if you have questions.
__________________
-- Jeffrey and Maren
2011 Winnebago Journey 40U
Ford Escape Hybrid with Blue OX, Air Force One and TST
mjeffrey is offline   Reply With Quote
Old 05-04-2015, 07:15 AM   #4
MPH
Senior Member
 
MPH's Avatar
 
Join Date: Aug 2014
Location: Southern mountains of New Mexico
Posts: 2,051
Quote:
Originally Posted by Barbaraok View Post
The ACA was designed for those whose incomes are above the expanded Medicaid level - unfortunately Texas refused to expand its Medicaid classification so there are a lot of people who make to much for traditional Medicaid and too little to qualify for the ACA. Also there might be something else going on if she has qualified for disability through SSI.

Before you say you can't qualify, you should visit the website and run the numbers to see what is available to you using what you think will be your income level. I think you will be surprised.

Barb
Thanks, Barb. I'm not sure she has started application for SSI. They certainly need to do something. Her health issue is serious. I feel so badly for them. They are great folks and are just having it tough financially.

Quote:
Originally Posted by mjeffrey View Post
We went to healthcare.gov and got insurance (TX residents) in about 45 minutes.

Call them if you have questions.
Thanks. I've been to the web site and looked around. I thought I'd qualify. But if I apply for insurance in 2016, will they look at my 2015 income? Or will they base it on my current income at the time of application?

Mel
__________________
Mel & Kate and Zorro, our dashing little Havanese dog.
2008 Crossroads Cruiser 5th wheel
"Be yourself. Everyone else is already taken."
MPH is offline   Reply With Quote
Old 05-04-2015, 07:33 AM   #5
Senior Member
 
mjeffrey's Avatar
 
Join Date: Oct 2011
Posts: 788
You estimate your income for the year of coverage. When you do your taxes for that year you resolve if your estimate was correct.
__________________
-- Jeffrey and Maren
2011 Winnebago Journey 40U
Ford Escape Hybrid with Blue OX, Air Force One and TST
mjeffrey is offline   Reply With Quote
Old 05-04-2015, 07:38 AM   #6
Senior Member
 
znt1186's Avatar
 
Join Date: Nov 2014
Posts: 903
Is COBRA a possibility for you? It will normally allow you to extend your coverage from your job for 18 months.
znt1186 is offline   Reply With Quote
Old 05-04-2015, 11:43 AM   #7
MPH
Senior Member
 
MPH's Avatar
 
Join Date: Aug 2014
Location: Southern mountains of New Mexico
Posts: 2,051
Quote:
Originally Posted by znt1186 View Post
Is COBRA a possibility for you? It will normally allow you to extend your coverage from your job for 18 months.
Yes, I could do Cobra, but it will likely be more $$ than the rates I'd qualify for on the marketplace. Income will drop a lot after retirement.

Also, Cobra would limit me to network providers, which for my ins are all in TX. I hope to get a nationwide plan.
MPH is offline   Reply With Quote
Old 05-04-2015, 05:24 PM   #8
Senior Member
 
Barbaraok's Avatar
 
Alpine Owners Club
Join Date: Sep 2005
Location: Traveling in North America
Posts: 2,127
You probably won't get a 'nationwide' plan, but through the Texas plans that I have seen, all are BCBS which means you can get coverage in other states. But you will need to have your primary care physician in Texas. Just make sure you choose a PPO not an HMO - yes it will cost more, but that will give more flexibility.

Barb
__________________
Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
On The Road since 2006
Blog
Barbaraok is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance coverage dennismhamm Alpine Coach Owner's Forum 9 01-15-2015 09:27 AM
Insurance and other coverage? tacking Class A Motorhome Discussions 5 11-06-2014 03:12 PM
BC Motorhome Owners - non-ICBC Insurance Coverage Ron_H iRV2.com General Discussion 5 06-04-2014 11:55 AM
Good Sam Insurance Coverage Cacti iRV2.com General Discussion 1 03-17-2014 05:30 PM
How much insurance coverage? bruc Class A Motorhome Discussions 9 03-07-2014 07:37 PM


All times are GMT -6. The time now is 07:49 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.