I知 looking at options/cost comparisons for health insurance for 2021. Assuming I am still not able to work.
(Update: I値l be completing long term disability paperwork soon. I知 stalled at about 80% recovery from covid. Good enough for a quiet life at home. Able to cook and do light housework. Not good enough yet to work. Still need so much rest ... both night and day.)
I知 comparing the 3 options below for insurance. If I知 approved for disability, I値l be earning enough that options 2 and 3 will both cost the same - somewhere between $1500-2500 a month for the two of us depending on the plan. I haven稚 yet explored the cost of cobra, although I hear it痴 usually one of the more expensive options. SO will be 61 in January. I値l be 59 next week. Many years until the magical Medicare age of 65. At which time we could both be insured for well under 1000 a month for a good plan.
(If I do not qualify for disability and still can稚 work, we can get an Obamacare plan for less than 500 a month.)
The options:
1. Cobra
2. Plan via the pension痴 disability policy
3. Obama care
The thoughts that have me awake after midnight:
A. I would like any input you have.
B. I知 learning firsthand how devastating it can be to not be able to work these last 5-6 years before my planned retirement date.
C. If we would be civilized like Canada this would not be a concern. My benefits would continue, regardless of employment.