本帖最后由 xcr 于 2017-5-10 08:42 PM 编辑
I plan to use COBRA which will cover 18 months, after that there is a gap of 3.5 years (between 61.5 to 65) in which I have to buy medical insurance from marketplace. I think the expected annual cost will be around $12,00 to $16,000 per couple. Once you reach 65, you will be covered by Medicare.
I just found this info from the website: https://resources.ehealthinsuran ... ost-without-subsidy
How Much Does Health Insurance Cost Without A Subsidy?
October 10, 2016
If you don’t have a government Obamacare subsidy, how much should you expect to pay for health insurance?
Health Insurance Subsidy
Are you getting government subsidies to help cover the cost of your health insurance premiums? If you qualify for subsidies, it can really help you keep your monthly expenses in check.
But what does health insurance cost without a subsidy?
Let’s look at some data on health insurance costs and shopping trends from the 2016 open enrollment period, which ended January 31, 2016.
Average premiums and deductibles nationwide unsubsidized shoppers:
Premiums for individual coverage averaged $321 per month while premiums for family plans averaged $833 per month.
The average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983.
Average monthly premiums for individual plans by metal level were:
$153 for catastrophic plans
$315 for bronze plans
$362 for silver plans
$420 for gold plans
$498 for platinum plans
Average monthly premiums for individual plans by age group were:
$152 for people under age 18
$177 for people age 18-24
$239 for people age 25-34
$303 for people age 35-44
$400 for people age 45-54
$580 for people age 55-64
The figures above are from eHealth’s Health Insurance Price Index Report for 2016, based solely on eHealth shoppers who selected individual or family health insurance plans during the 2016 open enrollment period (between November 1, 2015 and January 31, 2016) and who did not utilize a government subsidy.
eHealth is one of the few organizations with national source health insurance data that broadly reflects consumer buying patterns and purchase prices in the self-purchased individual and family health insurance market. eHealth’s report provides insights into the large segment of the individual and family health insurance market which may not qualify for or elect to use government subsidies, and which may shop for coverage through sources other than government exchanges. |