Recently displaced (new euphemism for RIF) and need to make a decision regarding health insurance. I can continue what I currently have via COBRA till I am 65 in 11 months, OR I can take advantage of South Consumers Alliance offering of coverage through Freedom Life Insurance which is part of USHealth Group. They use the United Healthcare Choice Plus Network and it's a fixed indemnity plan. It is about $146 dollar cheaper per month than COBRA through Aetna for medical and vision/ MetLife for Dental.
Not eligible for ACA as astronomical due to not eligible for any subsidies. Retiree medical is about $400 more than COBRA.
I want to make a very measured decision and not simply pick the cheapest. I am rather healthy.
Anyone here have any feedback on this company and the Premier Advantage Fixed Indemnity Plan? Their materials clearly say not ACA Compliant which kinda scares me.
Thanks and need to make a decision soon since my work coverage ends on 5/30/24.
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