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Patrick

Monday 16th of May 2022

Keith,

Great post. Thanks for sharing your experiences to maybe help others avoid the same. Much appreciated.

I liked: "My error was in not continuing non-stop research. In my defense, a guy does need to get other things done." - as a soon-to-be retiree who will be looking for health insurance, I can appreciate this quote very much.

From my brief research, there are no easy answers to this one. Is it too late to vote for Bernie Sanders?

On a more helpful note, I have found the Direct-Primary-Care + a high-deductible HSA plan to be potentially compelling and worthy of some more research.

Any chance you'll be following up with some more research on this topic?

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To Drew...I'll look into the Farm Bureau - that seems like a new idea.

Thanks.

Patrick

Monday 16th of May 2022

Keith, I found the Dir Primary Care coverage very spotty across the US. Here in Colorado, there are luckily a lot of DPCs while in other states, not so much.

Keith Taxguy, EA

Monday 16th of May 2022

Patrick, I did a quick look at Farm Bureau in my state and didn't see anything. Will dive deeper. Will also check some accounting organizations.

I'm glad you find the quoted text of value. In this blog I have always worked hard to keep it real, including honesty about where I went wrong.

Your suggestion (Dir Prim Care + HD HSA plan) is something I'm looking into.

If I find something worth adding I will publish another post on the topic.

Norma Phillips

Monday 16th of May 2022

Unfortunately, are these stories that different from nonpayment with traditional insurance? We are getting the run around for a colonoscopy. Who would have thought it would become so complicated?

Keith Taxguy, EA

Monday 16th of May 2022

Norma, that is a good point. Traditional insurance fails at times, too. The difference is that the rules are more strict with traditional insurance.

Aside from the joke we could make on the colonoscopy, there are still ways to fight back. The book listed in the Recommended Reading at the end of the post is worth a look.

Drew

Monday 16th of May 2022

Maybe consider getting a super high deductible short term health insurance plan to supplement Liberty until enrollment opens again. When I left my job in 2020 (reached FI) we were on a short term medical plan for about a year and a half. Coverage sucked and the deductible was really high so we never ever really used the benefits. But it was the peace of mind if something catastrophic happened. We are now on a group plan through Kansas Farm Bureau (we’re KS residents). We had to pay like $55/year to join the Bureau but we are now able to be on their group plan with good coverage with a high deductible plan than we can contribute to an HSA. Maybe see if there is Wisconsin Farm Bureau or something similar you can get in and hop on their group plan. Prob worth at least spending a few minutes looking into it. My wife is a healthcare attorney and teaches medical coding and we still found it challenging to find the healthcare resources we wanted. Best of luck!

Keith Taxguy, EA

Monday 16th of May 2022

That is an alternative I'm still considering. I'll look into the Farm Bureau.

Danny Kelley

Monday 16th of May 2022

Thanks for sharing this. Has Liberty responded to any of your inquiries?

Keith Taxguy, EA

Monday 16th of May 2022

Liberty always picks up the phone, Danny. But it is always an excuse as to why they haven't paid yet. They promise it will get paid eventually, but with what appears to be close to two years behind is not promising. From my current research it seems the other health sharing groups are experiencing something similar, if only to varying degrees.