Health Insurance & HSA Options

[vvelouriaa]

Hey y'all

After being a "I don't need health insurance because I'm healthy" person for many years, I recently changed my outlook. My employer doesn't offer benefits, so this is coming out-of-pocket. Until we have universal healthcare, I guess I have to jump on board.

I don't qualify for my state plan's extended open enrollment, so I'm not sure where to head next. The internet/health insurance industry seems to be a shit show of scams and flams.

I'm interested in setting up a HSA and a high-deductible health plan. Does anyone have any recommendations? Know of any health insurance companies that are still offering open enrollment?

Thanks for the help.

[kanga1622]

I would suggest checking with independent insurance brokers in your area. You will need to find one that seeks health insurance plans outside the ACA open enrollment times. I will warn you that they aren’t always easy to find.

[Sibley]

Path 2: Contact any of the health insurance companies in your area. Blue Cross, Aetna, United, etc. They may have non-marketplace private plans.

[terran]

Are there any Qualifying Life Events that you could trigger? Perhaps moving to a different zip code or county? https://www.healthcare.gov/glossary/qualifying-life-event/

[BTDretire]

I don't know what's available today, Back in 2008, 9, or 10, I went to a High deductible plan for my family of four. We had a $2,500 deductible and raised it to $10,000* deductible. The premium dropped from $9,900 to $4,300. saving my $5,600 a year on the premium. I was stoked! I then fully funded my HSA
and in less than two years I had the $10k in case I needed it. So now I was a head of the game.
 My point is the high deductible is a real premium saver.
 Also, since going to the doctor is on you own money, you certainly delay some things. That may not be a good thing.

* I was called crazy by many people, mostly those living paycheck to paycheck.
A tribute to how well I hid my wealth.