I'm a red panda, I don't have kids, just my wife and I, with 2 badass dogs. But man, that sure is some bad luck with your previous medical issues. Ya, my wife just thinks I should stay until 50.
clifp, I'm grandfathered in at 50, but yes they could raise the monthly rate now. It started at $195 a month and now it's $305.
And I heard my monthly premium when retired will be about $80 per month for self+spouse. I'll check out that video, hopefully it's not fake news complainypants stuff :)
On a long side note, I currently have traditional kaiser medical plan (self+spouse) through my wife's work, bi-weekly $45. I'm looking into changing to a high deductible health plan in a couple days, though her work, which is $38 bi-weekly, and her company will contribute $2,000 to a HSA, with annual deductible in network $3,000 and out of pocket annual maximum in network $6,850. The high deductible health plan seems comparable to kaiser outside of the deductible of course. My wife and I are relatively healthy, but she is a bit of a hypochondriac and currently worried about hair loss, went to see a doc and specialist, sounds like stress is part of the issue, so ya..... :/
This high deductible health insurance/HSA is all new to me, though I have heard lots of bits and pieces about it. So why is there two different deductible amounts? I thought that you pay the high deductible for non preventative stuff and after that, they cover the majority like my current kaiser plan.