Yeah I would run into issues there for a couple of my family members.

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Jan 27, 2023
4:31:52pm

CougaRR4L All-American

Yeah I would run into issues there for a couple of my family members.

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CougaRR4L

Bio page: CougaRR4L
Joined: Aug 23, 2014
Last login: May 6, 2024
Total posts: 3,935 (35 FO)

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Messages

Author

Time

Health Insurance Open enrollment help needed.

CougaRR4L

1/27/23 4:10pm

When I retired we met with Zac at this agency and he found a great plan for us.

O Gaucho

1/27/23 4:23pm

Does that include major medical insurance? Is the limit $1 M? I don’t think

Iman23

1/27/23 4:29pm

I found the worst possible policy on healthcare.gov, WITH an HSA, and a

Iman23

1/27/23 4:25pm

Thanks for the suggestions- yes to preexisting conditions.

CougaRR4L

1/27/23 4:30pm

Go with the exchange and figure out the likely break even based on your usage. T

Iman23

1/27/23 4:36pm

Some thoughts:

VenturaCoug

1/27/23 4:26pm

Also, note that health share ministries often have pre-existing condition limits

Doogal McCougar

1/27/23 4:30pm

Yeah I would run into issues there for a couple of my family members.

CougaRR4L

1/27/23 4:31pm

Good thoughts to factor in. Thanks for offering them.

CougaRR4L

1/27/23 4:31pm

Interesting about #1. I didn’t know that. I am self employed so it’s always been

Iman23

1/27/23 4:40pm

In a health share, I believe you get the healthcare expense deduction, in excess

Doogal McCougar

1/27/23 4:48pm

The monthly “share” is NOT tax deductible. People do it, but it is not allowed

Iman23

1/27/23 4:53pm

Aye. That's what I meant. The amount shared can help get you above 8.5% fairly

Doogal McCougar

1/27/23 5:00pm

RE: Aye. That's what I meant. The amount shared can help get you above 8.5%

Doogal McCougar

1/27/23 5:01pm

Could your employer reimburse you for separate coverage premiums instead

Doogal McCougar

1/27/23 4:39pm

I imagine that might run afoul of IRS rules. Employers have to offer the

VenturaCoug

1/27/23 4:58pm

I think there's an issue with getting a marketplace plan if your employer

byubyu

1/27/23 5:26pm

I think you can if the employer plan costs too much. There's probably some

thor1991

1/27/23 10:54pm

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