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Started By
Message
Retirees - how much did you play for health insurance before Medicare kicked in.
Posted on 6/24/25 at 6:55 pm
Posted on 6/24/25 at 6:55 pm
If you got inducing, and wasn’t on an employer
Plan, etc.
Just curious… Tia!
Plan, etc.
Just curious… Tia!
This post was edited on 6/25/25 at 9:41 am
11
Posted on 6/24/25 at 7:56 pm to xBirdx
You mean Medicare?
A simple Google will give you the answer.
A simple Google will give you the answer.
Posted on 6/24/25 at 8:20 pm to xBirdx
I assume you mean before Medicare kicks in, and I suspect it would be around $25k per year for a couple and some kids still on the plan...
This post was edited on 6/25/25 at 1:38 pm
Posted on 6/24/25 at 8:35 pm to xBirdx
If you're referring to Medicare cost, the bottom income bracket(up to around $212,000 in annual income for married filing jointly, or 1/2 that for single filers) are paying $185 per month each person for Medicare part B. If you go the Medicare part C/Advantage plan route those plans can be had for as little as $0 per month, but you will pay various copays/coinsurance for most services as needed. If you want less back-end out-of-pocket exposure, you can go with a Medigap supplement plan G which here in LA will cost $120-$130 per month each. With that option you would also need to get a stand-alone drug plan which has various monthly premiums as well.
Posted on 6/24/25 at 11:22 pm to xBirdx
I want to say 360ish a month...about 180 for each of us
My insurance was no cost prior to Medicare
Wife's was 380ish prior to Medicare - she was on my plan then
My insurance was no cost prior to Medicare
Wife's was 380ish prior to Medicare - she was on my plan then
Posted on 6/25/25 at 9:42 am to Cajun75
quote:I think he is asking how much did you pay before being eligible for medicare.
If you're referring to Medicare cost, the bottom income bracket(up to around $212,000 in annual income for married filing jointly, or 1/2 that for single filers) are paying $185 per month each person for Medicare part B. If you go the Medicare part C/Advantage plan route those plans can be had for as little as $0 per month, but you will pay various copays/coinsurance for most services as needed. If you want less back-end out-of-pocket exposure, you can go with a Medigap supplement plan G which here in LA will cost $120-$130 per month each. With that option you would also need to get a stand-alone drug plan which has various monthly premiums as well.
Posted on 6/25/25 at 12:15 pm to NOSHAU
I believe you are asking how much I was paying before I was able to be on Medicare at age 65?
Been a few years.. depends on what level of protection you want.. I was through affordable care act.. go online and look they have option to explore..
I recall around 2+k a month for my wife and I .. maybe a little more
If asking about Medicare.. Medicare supplement— Medicare pharmacy supplement.. just run a model through any provider …
Paying about 800 a month for my wife and I for that.. Medicare— a supplement (plan g) and a pharma coverage..
I have a deductible of 240 ish ( so if that is you question it will be whatever plan you purchase but by law government does not allow the govt deductible to be avoided anymore for more recent retirees) and then pretty much rest covered. ( the pharmacy coverage took a high jump recently when they changed coverage on insulin etc)
Been a few years.. depends on what level of protection you want.. I was through affordable care act.. go online and look they have option to explore..
I recall around 2+k a month for my wife and I .. maybe a little more
If asking about Medicare.. Medicare supplement— Medicare pharmacy supplement.. just run a model through any provider …
Paying about 800 a month for my wife and I for that.. Medicare— a supplement (plan g) and a pharma coverage..
I have a deductible of 240 ish ( so if that is you question it will be whatever plan you purchase but by law government does not allow the govt deductible to be avoided anymore for more recent retirees) and then pretty much rest covered. ( the pharmacy coverage took a high jump recently when they changed coverage on insulin etc)
This post was edited on 6/25/25 at 12:17 pm
Posted on 6/25/25 at 1:11 pm to xBirdx
Healthcare.gov
Just me - wife on Medicare
BCBS policy with $9100 deductible
$1104 / month
Sucked!
Policy price dependent on your income.
The lower your income, the cheaper your price.
On Medicare now $185 / month
part B $140.70 / month
Part D drug plan $0 / month
Just me - wife on Medicare
BCBS policy with $9100 deductible
$1104 / month
Sucked!
Policy price dependent on your income.
The lower your income, the cheaper your price.
On Medicare now $185 / month
part B $140.70 / month
Part D drug plan $0 / month
Posted on 6/25/25 at 1:45 pm to zuluboudreaux
We are a couple in early 60's
its $24k a year for us both
We switched from Blue Cross to Medishare it's about $10k a year
its $24k a year for us both
We switched from Blue Cross to Medishare it's about $10k a year
Posted on 6/25/25 at 1:48 pm to zuluboudreaux
What type of income did you have for a $1k premium…?
Posted on 6/25/25 at 1:58 pm to xBirdx
If you plan things right, you can draw Roth assets in your pre-Social Security retirement years and keep your MAGI low enough to get Obamacare for free. The MAGI formula does not include Roth income.
If you are young enough, you could build up Roth Conversions to stretch it out a few years and retire earlier. You also may be able to withdraw your Roth 401K assets as early as 55 in certain situations.
If you are young enough, you could build up Roth Conversions to stretch it out a few years and retire earlier. You also may be able to withdraw your Roth 401K assets as early as 55 in certain situations.
Posted on 6/25/25 at 2:10 pm to xBirdx
I paid $1K per month to my prior employer for my wife and me.
Posted on 6/25/25 at 2:59 pm to Auburn80
I've priced it for my wife, myself, and my child. It's approximately $24K/year premium.
Posted on 6/25/25 at 4:11 pm to Auburn80
So you stayed on even after retirement? Is this something “out of the norm” for
Your company?
Your company?
Posted on 6/25/25 at 5:49 pm to xBirdx
quote:
So you stayed on even after retirement? Is this something “out of the norm” for Your company?
Something the company offered if you worked there at least 5 years. I took advantage of it and retired at 61.
Posted on 6/25/25 at 6:26 pm to xBirdx
My portion before I switched for health coverage only was $225.23/pay period. Not including vision, dental, etc. So basically $450.26 per month. Included me + spouse.
We have Medicare + AARP Supplement now and it's far superior in every way in my book in terms of cost, coverage, administration.
For the wife and I each, the Medicare Premium(s):-$405.30/month. This is deducted from our Social Security Check.
The amount deducted from your benefit check can include a medical insurance (Part B) monthly premium, as well as a:
Medicare Advantage Plan (Part C) monthly premium and/or Prescription drug plan (Part D) monthly premium.
The premium for AARP MEDICARE SUPPLEMENT PLAN G has changed from $144.19 to $152.32 per month.
Fact Sheet
We have Medicare + AARP Supplement now and it's far superior in every way in my book in terms of cost, coverage, administration.
For the wife and I each, the Medicare Premium(s):-$405.30/month. This is deducted from our Social Security Check.
The amount deducted from your benefit check can include a medical insurance (Part B) monthly premium, as well as a:
Medicare Advantage Plan (Part C) monthly premium and/or Prescription drug plan (Part D) monthly premium.
The premium for AARP MEDICARE SUPPLEMENT PLAN G has changed from $144.19 to $152.32 per month.
Fact Sheet
Posted on 6/25/25 at 6:29 pm to xBirdx
Self Employed
Paying $1700 a month for me and wife BCBS
Not retired yet and not on Medicare yet
Paying $1700 a month for me and wife BCBS
Not retired yet and not on Medicare yet
This post was edited on 6/25/25 at 6:30 pm
Posted on 6/25/25 at 6:48 pm to xBirdx
$200k
Posted on 6/25/25 at 7:37 pm to xBirdx
Retired at 62 wife is a year younger. Til I went on medicare it was $165 a month through my pension for both of us.
Posted on 6/25/25 at 7:42 pm to dblwall
So if you are on SS, is that the only factor?
Do they factor in 401k withdrawals?
Do they factor in 401k withdrawals?
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