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People in this article are middle-aged and I think this article is speaking to those not yet on Medicare. Course moving with Medicare is another beast..
Whether a advatage plan or private insurnace they may not cover out of state.Depends o type but PPO and especailly HMO have limts even withi a state often. The biggest problem I have seen si gettig a perosnal physician in mnay area taking new medicare patients. Since the state will setup the pools under the new healthcare laws they too maybe different. Plus the new healthcare laws does not allow interstate sellig of insurance under the bill.Then a large per cent of new insured will be under mediciad which is also partially funded by each state and are different.
Good summary article, Caladium. Thanks for posting. The only reason I'm still in Michigan is the health insurance. I'd be out of here if there was affordable and available health insurance in all states, as will hopefully be the case in 2014, but I'll be 65 then, so I'll be free to move to any state with Medicare.
The biggest reason I remain in Vermont...health insurance.
I love Vermont, and they have great health insurance. But from what I've seen online, if someone moves there from out of state, they have to wait 12 months without insurance to qualify for the state-run plan (or have a plan with a 10,000 deductible). Is this correct as far as you know?
I don't know how I didn't hear that much about this issue before now. We just happened to be lucky (our insurance transfers to the states we're considering) but it's thought provoking that it was luck--I didn't know it was as big of an issue as it apparently is. I would imagine it affects a lot of people. How is it I haven't seen more on this before, and how are most people able to move if this is a big problem?
We talk a lot about moving to new states in this forum, but is that even a practical reality for most people? Or am I over reacting because this is a new issue to me and I haven't had time to think about it. What's weird is I know so many people who move to another state without talking about this.
Anyway, no time like the present to make up for that. Let's pool the info we have, starting with what states are good states to move to (for health insurance reasons) and what states are going to give you problems. Also, what is your state like? We know a little bit about Vermont, what about the others.
AS someone who has been in the business for 30 years, I can tell you that rates will GREATLY vary from state to state. For example, Pa health insurance rates are typically pretty affordable, especially in the Central part of the state. Ohio rates are VERY cheap.
Yet, when you look at some of the Eastern states ,such as NJ, NY and Ma., it can get pretty ugly.
AS someone who has been in the business for 30 years, I can tell you that rates will GREATLY vary from state to state. For example, Pa health insurance rates are typically pretty affordable, especially in the Central part of the state. Ohio rates are VERY cheap.
Yet, when you look at some of the Eastern states ,such as NJ, NY and Ma., it can get pretty ugly.
Thanks so much for participating in this thread. I was beginning to wonder if nobody cared about this issue. It sure seems to me like this would be a VERY important consideration before moving to a new state. It amazes me that I've done a fair amount of reading about retirement issues yet somehow I didn't realize it was as big of an issue as it is--because nobody talks about it.
Since you've been in this field for 30 years, what are some of the other states with better rates? I'm especially interested in your opinions on VA, NC, SC, DE, CA and FL.
Right now I'm in St. Augustine. I love it here. It's a charming city. But I'll be honest, if insurance issues are really as big of problem as I'm beginning to fear we'll take St. Augustine off the list. Sad, but true.
Rates vary so much often because of government interference... these are no longer 'insurance' plans but health care programs.
Not only do we have guaranteed issue here in Washington, but maternity coverage is mandated (even though we are an old sterile couple) and now the liberals in the state house have decided that any policy that covers child birth (all of them) should cover abortion.
I am sorry we can no longer get products offered as a result of market demand rather than demand by a few politicians.
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