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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: macbolan who wrote (21840)	11/3/2025 8:17:11 AM
From: SoCalGal	1 Recommendation Recommended By agniv Read Replies (1) \| Respond to of 23248

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.

To: macbolan who wrote (21840)	11/3/2025 12:01:47 PM
From: Max2.0	7 Recommendations Recommended By Chowderfan livwell Lucia QTI on SI Ridgelander and 2 more members Respond to of 23248

Yes, it is crazy and more expensive than it needs to be. BTW: I am on Blue Shield and basically happy with them as an insurer. They pretty much approve everything. My annual deductible is only $100 and my out of pocket max is only $1000. Now my wife was moved over to Aetna and we get denied, as a default, on most stuff that is over the basic office visit. Here is a sad anecdote from Bryant Lin - an actual Stanford Medical Professor: Bryant LinBryant Lin Edited • 6 days ago • Edited • Visible to anyone on or off LinkedIn Fortunately People responding with Letters to Aetna caused them to reverse their denial and he is now getting the Medication. Follow I'm living in insurance hell!!! 1) I am a Stage 4 Lung Cancer patient and advocate. 2) As a medical school Clinical Professor, I taught a class at Stanford anchored around my own case which was covered widely in the The New York Times, CBS Mornings, and other media outlets. At least I could turn my misfortune into a little bit of good. 3) Thanks to amazing advances in treatment with Tagrisso (osimertinib - AstraZeneca), I have survived progression free until a couple of weeks ago when my cough came back and the CT scan showed spreading cancer in my chest. I urgently need new treatment as my symptoms have all worsened. 4) AETNA just denied "prior authorization" for potentially life-saving/life-prolonging treatment with Rybrevant (amivantamab - Johnson & Johnson). This is an FDA approved therapy for my specific cancer prescribed by one of the leading thoracic oncologists in the world! 5) If my appeal is denied, what is going to happen to me? No need to repost/forward - see update below. Please repost and forward this message on any platform as widely as possible so I can get some insurance relief. In my 20 years as a primary care doctor, insurance has corroded doctors' abilities to treat patients as human beings. Stanford University School of Medicine Stanford University