I hesitate to even talk about health insurance with everything up in the air.
But is important that we remind our readers about open enrollment and that we inform those that are not aware that the open enrollment period is shorter this year than it was last year. In 2016, open enrollment for 2017 health insurance ran from November 1 to January 31, but this year the open enrollment period for 2018 health insurance has been cut in half and runs only from November 1 to December 15.
So, if you typically put this off until after the holidays, it will be too late.
Recently, the RVer Insurance Exchange, and our good friend, Kyle Henson, put out their 2018 Guide to Health Plan Options for RVers. I highly recommend checking it out to see the changes for 2018, recommended options for RVers, and information about new plans and alternatives.
You can work through the options on your own or you can have Kyle or his associate, Greg, work with you one-on-one by paying a "concierge fee". Since most insurers have cut commissions to agents, it's no longer financially viable for many agents to spend multiple hours counseling individuals, so such expertise is now having to be compensated through fees.
Personally, I have no idea what we would do if we didn't still have our grandfathered Anthem Blue Cross Blue Shield plan which is a PPO with nationwide coverage and a Health Savings Account feature. We have a $10,000 deductible, but we have saved more than enough in our HSA to cover that and taken advantage of the tax deductibility of the contributions over the years.
Under current law, our plan is a catastrophic plan and because we are over 30, we couldn't purchase it today. I've priced plans in Florida and Texas that are most comparable to what we have, and they are at least twice the premium we are paying and offer fewer benefits and more out-of-pocket costs.
We're just going to hold on tight to our current plan as long as possible and we'll figure it out if it goes away. I'm just glad we're not having to make those decisions now, and we feel for all of those that are.