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Re: Private health insurance for young, healthy family

Does anyone have any opinions on this plan - Humana Value 100? 1) Any thoughts on which deductible? It has deductible options ranging from $5k (~$400/mo) to $7.5k (~$285/mo) to $10k (~$250/mo). Obviously you pay quite a bit more for the gap between $5k-$7.5k than the one between $7.5k-$10k. Since we...
by usaa13
Tue Jan 29, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Private health insurance for young, healthy family

I would apply for individual coverage ASAP and not wait for COBRA to run out. As a healthy family you should not have problems finding coverage currently. If someoneā€™s health takes a turn for the worse between now and when you obtain individual coverage it will become unaffordable/impossible to get...
by usaa13
Fri Jan 25, 2013 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Private health insurance for young, healthy family

One other thought that I'd love to get any opinions on. Since we expect to have another child in the relatively near future (in a hospital), and perhaps another on down the line, I am somewhat inclined to spring for a lower deductible than I might otherwise since it seems pretty certain that will ru...
by usaa13
Fri Jan 25, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Private health insurance for young, healthy family

Is there a substantial difference between a temporary policy and just seeking new, permanent coverage? Temporary is usually cheaper, but you would want to check on any coverage limits, etc., of course. Just a thought that at this unique time there may not be the usual risks of temporary coverage (e...
by usaa13
Fri Jan 25, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Private health insurance for young, healthy family

If I wasn't clear in my original post, I definitely do not subscribe to the view that my family's "past performance" means we can just avoid paying for insurance. Quite the contrary, in fact. I'm really just trying to figure out what the right extent of coverage is since our current health...
by usaa13
Fri Jan 25, 2013 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Private health insurance for young, healthy family

Thank you all for your thoughts. Given that as of Jan. 1, 2014, pre-existing conditions will no longer be an issue, I wonder if the best option might be a temporary policy to cover you to Dec. 31, 2013. In the fall you can sign-up for a policy via the new exchange and if your income is below about $...
by usaa13
Thu Jan 24, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Private health insurance for young, healthy family

I've done a lot of general research, but think it's time I shought some more particularized opinions. Here is my situation: - 30 years old, as is my wife, with a 2 year old daughter - none of us have any major health issues or recurring health expenses other than regular check-ups - leaving high-pay...
by usaa13
Wed Jan 23, 2013 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Private health insurance for young, healthy family
Replies: 27
Views: 2414

Re: Need opinions on a recent camera purchase

For ~$3k, if you want small size, fast glass, and high quality, my personal choice would be a Leica-M or similar lens to throw on a Sony NEX (preferable to a 4/3 system because it has a smaller "crop factor" and is thus more readily used with legacy wide angle lenses). (For 35mm equivalent...
by usaa13
Tue Dec 11, 2012 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Need opinions on a recent camera purchase
Replies: 56
Views: 3815

Re: Share Your Money-Saving "Secrets" Here

For me, this is more about mindset than about finding every way to scrounge and save. My most valuable asset is my time, which I "spend" with my family, on hobbies, etc. How can I maximize my time? I like to invert the old addage, "time is money"; if that is true, then it is also...
by usaa13
Thu Feb 02, 2012 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share Your Money-Saving "Secrets" Here
Replies: 110
Views: 8906

Re: Advice on Purchasing Car in the Near Future

Since it is on the general topic, I thought I'd share my own recent experience with buying a car for my own young family. 1) Car choice - We wanted a family sedan. Looked at all options and found that the Nissan Versa is priced like a subcompact but is much roomier than most higher-class sedans. 201...
by usaa13
Fri Jan 06, 2012 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Purchasing Car in the Near Future
Replies: 31
Views: 2114

Financing a Rehab Property

I am looking at properties requiring a substantial amount of work -- to live, not purely for investment -- and was hoping to obtain the wisdom of the board. I have a cheap and flexible renting situation, so I am in no rush, though I do believe the area I'm looking in is going to appreciate significa...
by usaa13
Thu Jan 05, 2012 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financing a Rehab Property
Replies: 0
Views: 128

Re: Virginia 529 state tax deduction

Thanks very much all. While this doesn't seem to be what any of the above posters did, from my reading of the information provided I think I'll be fine doing the following: 1) Husband Acct #1 - REIT - $4,000 contribution 2) Husband Acct #2 - Total Bond - $4,000 contribution 3) Wife Acct #1 - REIT - ...
by usaa13
Tue Dec 20, 2011 3:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Virginia 529 state tax deduction
Replies: 6
Views: 3126

Virginia 529 state tax deduction

Apologies if this is the wrong place to post, but I am hoping someone can help me with the treatment of my daughter's 529 accounts. I am married filing jointly. One child, born last year. I already have opened and funded two separate accounts, both under my name, $4,000 contribution to each. If need...
by usaa13
Sat Dec 17, 2011 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Virginia 529 state tax deduction
Replies: 6
Views: 3126

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