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| *Loan,banking and credit>>>health insurance |
What are some good reasonably priced health insurances out there for individual purchase for early retirement? |
I want to be able to retire early but health insurance is an issue. Any suggestions? If you are in good health and generally don't see the doctor for every sniffle a high deductible HSA qualified plan may be best for you. The premium is less and you can (if desired)open up a separate HSA account that works much like an IRA. You put money into the account pre-tax and take it out for the occasional doctor visit or medication tax exempt. The money that you don't withdraw rolls over every year, earning tax deferred interest. There is a lot more to be knowledgeable about these plans than we can go into here. You may want to visit a local independent agent to compare plans. Stay away from medical discount plans. If you can find a doctor that takes those plans your cost is about the same as if you don't have insurance. Even if you do save 50% on your hospital charges what if you get hit with a $200,000 bill. You didn't say how long till retirement. If less than two years maybe a short term medical plan will work. Again, see a local independent agent. Source(s): Independent Agent depending on your state...i know here in oklahoma assurant is by far the cheapiest major medical coverage you can get. http://jimkellyandassociates.com/... go here. http://www.tkqlhce.com/click-1748196-103... What's "reasonably priced" in your mind? If you're in your 50's, and in excellent health, it's going to cost you about $500 - $600 a month, not including a spouse. If you're not in excellent health, it might be pretty tough to get ANYONE to give you a policy. Not all health insurance companies write in all areas, and not all have PROVIDERS in all areas that take them, so you're BEST off getting your coverage through a local, independent agent who knows the local market. BEWARE of health discount plans (no doubt you'll get a few offers for them based on your question hiere) which are NOT insurance, and DON'T cover you! And MOST providers don't take them. It's the new "hot" insurance scam. That's why I say, buy from a local reputable, established agent, NOT over the internet. Sure, you might get a cheaper price over the internet. And no coverage. And no one to go back to to fix the problems. agent, 21+ years |
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