I am less concerned about age thing (but I am glad that it looks like it will stay for the time being). I am more concerned about the fact that he has a pre-existing condition. To be honest, I am not sure he will be able to hold a job that provides benefits, so he may have a hell of a time getting affordable insurance.
You would have to think that all this uncertainty would also be driving up insurance costs as well.
Generally speaking, I wonder how long the system could go on before collapse. As said before, my HDHP health insurance is $24k a year. I mean, that is what some people make in a year. How long can companies themselves afford to pay these prices, even the kinds of megacorps that I work for? Something has to give somewhere.
During the recession, my husband and I were forced into part-time work for about two-three years. Guess how many of those jobs provided any benefits, let alone health? You guessed it, zero. It was a terrifying time because I had to buy on the individual market and hope nothing would ever happen so that we would be branded with a pre-existing condition and get kicked off and blacklisted
. I actively avoided going to the doctor for that reason alone. Another thing that sucked was that I couldn't even write the cost of the insurance off on my taxes, but if an employer gave it to me, oh please, go right ahead.
Health insurance is just such a mess. I had to shelve the idea of full-time RVing for now because of health insurance. Sure, I could buy it on the exchange, but any care outside my resident state was out of network and outrageously expensive. Other options, what few there were, were very expensive. It just didn't make any sense.
If the ACA blows up with nothing good to replace it, I don't think I'll ever truely be able to FIRE in the US because the only way I can reasonably afford health insurance is through my employer.