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Strategies & Market Trends : Young and Older Folk Portfolio

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To: macbolan who wrote (21840)11/3/2025 8:17:11 AM
From: SoCalGal1 Recommendation

Recommended By
agniv

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We get our health insurance thru Covered CA (ACA) and it's with Blueshield of California. Two years ago it went up 400 bucks for 3 of us. A year ago it went up 500 bucks. This year it went up 400 bucks. That's 1300 bucks in 3 years.

I'm too scared to look at mine. I don't know your income situation, but have you considered a HELOC to maintain your cash flow and keep you from having to recognize income until you are Medicare eligible?

We're in quite the pickle supporting 2 adults kids who have not yet launched due to depression, and probably undiagnosed neurodivergence. Plus a third who isn't ours, but we're still supporting. It's frustrating to have to pay considerably more in health care premiums simply because you have to recognize extra income to pay for these unexpected expenses. So, we're probably going to go the HELOC route and just wait it out. Husband has 1.5 years to Medicare and I have 4 years. Hopefully, something changes in the next few years.
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