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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: E_K_S who wrote (23803)	10/25/2015 11:31:46 PM
From: wilywilly	Read Replies (1) \| Respond to of 34328

OT - My wife's grandfathered plan would go up by 4.2% - pretty standard over the last few years. But I have some capital losses that exceeded capital gains, took a <$3000> loss and carried forward the balance so we will have a small enough MAGI next year to qualify for a rebate. Next year she will jump into the ACA pool and get a 38% discount from using the premium rebate. One more year to Medicare for her, then the Medicare Advantage plan I'm on has 0 (zero) monthly premiums, only a co-pay to see a doctor. So far, so good on medical expenses in retirement. We are both healthy, exercise regularly, and can get by with an annual physical, plus dental checkups, etc. Knock, knock, knock....

To: E_K_S who wrote (23803)	10/26/2015 6:05:39 AM
From: Ditchdigger	Respond to of 34328

My cost for the BCBS platinum plan will go up 5.2% for 2016. If you don't have access to company plan, we individuals are required by state law to purchase on the state exchange. The state also kicks in a small income based subsidy on top of the federal to offset price increases (we only have 2 insurance companies to chose from). bcbsvt.com Seems like out of pocket costs are increasing as fast as premiums though. The state has shifted 33% of residents on to medicaid, which is coming back to roost in our next state budget. 100 million in the hole as a result of the medicaid shift! Don't get me started(g) VT is already ranked #1 by Kipllinger as the worst state to retire in and state taxes will continue to increase in the future to cover the deficit I'm sure.

To: E_K_S who wrote (23803)	10/26/2015 9:06:22 AM
From: Steve Felix	Respond to of 34328

OT- Health care - We have already been put on notice that our current policy will no longer be available. Quite a bit of that going on from what I can see. Received a robo call informing us that " information" on signing up again is in the mail. Probably get a headache deciding again.

To: E_K_S who wrote (23803)	11/3/2015 12:49:17 PM
From: Steve Felix	Read Replies (1) \| Respond to of 34328

OT - Lol! Your increase was tiny. Our current platinum plan is $1711 per month. There are only two available to us at the present time, 27.6% increase to $2184, or 34.8% increase to $2307. Both have zero deductible and $13,700 max out of pocket. Gold plans cost what platinum plans cost last year. Will go over our healthcare expenses this weekend. Hindsight is 20/20, but I believe we overpaid, and would have been better off with a lower deductible, and a gold or silver plan. Of course that is why they call it insurance. :)