What if I get sick on the road? Nomadic Health Care!

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In this video I answer common questions many nomads have such as how can I afford health care , how do I see my doctor living on the road, how can I get my prescriptions how can afford health insurance. Today we talk about many different types of health care and health savings accounts. We also talk about medicaid and state administered health programs.
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Опубликовано:

10 сен 2024

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Комментарии : 360

@kimmybee12 5 лет назад

A lot of really good information in this video. 🇨🇦 I'm so grateful to be a Canadian when I hear of all the struggles Americans face with regards to healthcare.

@beth5247 5 лет назад

Yeah but its too cold there and not enough sunshine compared to Arizona where I live. The west is pretty expensive I have looked into it. No place is perfect.

@kimmybee12 5 лет назад

Very true! I could always be a snowbird though and move South for the winter and stay home for the spring, summer and fall 🤔 I actually love winter lol

@kimmybee12 5 лет назад

Thank you Lexi! I will definitely have to look into this. I can't even imagine how hard it is for all the Americans who don't have health insurance. 🤒 I would be afraid to be ill.

@auroranite 5 лет назад

But can you choose your own primary doctor for consistent care? Get in to see your primary Dr within days for appointment? Choose your surgeon if need one? Can you choose hospital of choice for treatment? What’s the wait for an elective surgery? See a specialist within short time frame? Get a second opinion for diagnosis with pathology and have it covered? These are variables that often make US private insurance worth having.

@kimmybee12 5 лет назад

@@auroranite Yes to all your questions. I've had quite a few surgeries and never waited more than a week to have them done. I went to the emergency room twice and had surgeries done the next day. One was for a gallbladder removal and the other was for an appendix removal. I can call my doctor's office and get an appointment the same day. I know it's not like this every where in Canada. I'm just fortunate that's how my Doctor's office works. If I want to see my doctor I make an appointment and go in. I'm not charged anything. If I need to have blood work done or need an x-ray or an ultrasound I'm not charged anything. Each province has their own rules 🙂

@kms386 5 лет назад

Im a an educated person in the financial field having worked on wall street. I had no idea about how an HSA worked and the coverage it provides. This is golden knowledge people! Thanks for sharing.

@colleenkaralee2280 5 лет назад

I am 65 and have not visited a doctor for the last twenty years, and I am healthier now than I was when I was 17 years old and had my thyroid removed. I have without a doctor's help watched the body restore full thyroid function, and I am totally off any glandulars. The most amazing discovery I made is that the body has its own self-healing/restorative ability, and I rely solely on the body to cleanse and restore/heal itself. Now, if I broke a bone, yes, I'd use a credit card or emergency fund to get it set and then let the body do the knitting together.

@ducksinarowpatience3670 4 года назад

How did you cure yourself?

@BlazinBlades 4 года назад

What would someone do nowadays during Covid19 with no health insurance?

@shellchenonceau6987 2 года назад

@@BlazinBlades I find the nutritional & anti-viral natural info in the "medical medium" books a great guideline. That guy also has a free online blog & website.

@hearttoheart4me 5 лет назад

Great information about medical. I have heart problems also and have wanted to boondock. Now that I was laid off and forced into retirement, This was great to see. That takes a load off my mind. Thank you Bob Wells

@pnwester2697 5 лет назад

If you can't get to Mexico or Canada, try Walmart's $4 and $10 prescriptions. Google it for the list, it's quite extensive. Most pharmacies will honor the Walmart prices if asked. Other pharmacies have similar programs.

@user-ni6ve4su7g 6 месяцев назад

you have to ask your dr to prescribe medication off the 4$, medical providers don’t know the price of medication they order.

@darlinshel1 5 лет назад

The big problem with HSA is that many people can't afford to save $3,500 a year. Also, before anyone chooses NC, please check out the taxes. Flat rate state income tax. Property taxes for both towns and counties. Annual car inspections which are good and bad. I agree you need to keep unsafe cars off the road but it's another tax really. The inspections are tied into car registration. You would be returning every year to take care of that. Car doesn't pass? no license plate renewal until you can fix it. They are constantly trying to find more ways to tax us. I'm looking to change my residency as soon as I can after I'm on the road very soon.

@sicaz527 5 лет назад

Not only the 3500, but HSA are not free. The one I used to have was about 120 a month through my employer. Regular insurance was about $160. Not a lot of saving to justify that huge deductible.

@johnharrelson890 5 лет назад

Those are some of the reasons I left my home in NC and moved to Nevada back in 1977.. NC has way too many taxes and seem to make things worse with each year.

@loufuddrucker391 5 лет назад

Expensive to live in NC

@loufuddrucker391 5 лет назад

@@johnharrelson890 yep!

@lhughes6656 4 года назад

It's still better than paying $700/mo for a single health care insurance plan. $3500 a year equals out to roughly $9.75 a day or $292/ mo. That amount is incredibly affordable in comparison. Most people waste more than that on a latte and bagel every morning. It may not be for everyone but many more people can afford this as opposed to the alternative.

@mr.solitude3352 5 лет назад

Proximity to a primary care physician is indeed important, but more important is making sure that the hospital you will be accessing, in more serious medical situations, is a decent one. Not all hospitals provide the best care. Pahrump's local hospital, for instance, deserves your online scrutiny.

@wanderlostrvr2582 5 лет назад

Maybe I missed it. But for Veterans there is of course the VA. You probably figured Vets would already know about it, otherwise excellent advice. The Health Savings as you stated is definitely the best.

@wanderlostrvr2582 5 лет назад

No problems here. Since I have additional insurance I only pay prescription cost

@emitissimo7618 5 лет назад

I love the encouragement. I never wanted to be a nomad until I started watching Bob.

@mysticalmisfit1332 5 лет назад

Excellent video. Thanks so much. Healthcare on the road was a big worry. Beautiful scenery 😍

@skooterfd 5 лет назад

The health savings account never went anywhere because most were "use it or lose it" setups. In other words, you could put in pre-tax dollars, but if you didn't use it all you would lose all that money at the end of the fiscal year and would have to start over again at zero in your account!

@lynettering8252 5 лет назад

Thank you! I was surprised to hear Bob say what he did. All of the Health savings plans that I have ever known of were "use it or lose it". So the info about it 'building up' is incorrect in most places.

@JD-st5ys 5 лет назад

From IRS Publication 969: Balance in an HSA An HSA is generally exempt from tax. You are permitted to take a distribution from your HSA at any time; however, only those amounts used exclusively to pay for qualified medical expenses are tax free. Amounts that remain at the end of the year are generally carried over to the next year (see Excess contributions, earlier). Earnings on amounts in an HSA aren’t included in your income while held in the HSA.

@debibaird 5 лет назад

FSA 125 funds are use it or lose it. HSA funds carry over.

@chrisstewart5008 4 года назад

There are different type of accounts. FSA (flexible spending accounts) are use it or lose it but you don’t need a high deductible health plan. HSAs (health saving accounts) are not use it or lose it but require a high deductible health plan. Both, if provided by your employer, have tax advantages. HSA can be done even if not offered through your employer.

@theeggandi6391 5 лет назад

I had an HSA when they first came out and my high-deductible policy was reasonably priced and a good deal. After 5 years, though, the monthly premium had increased to greater than a traditional low-deductible policy and I had worse coverage to boot. Complete rip-off.

@Angel-yl1ck 5 лет назад

Thanks for your input. I was going to look into it.

@sunsetatshabooms4558 5 лет назад

He said have an hsa & catastrophic ins not a traditional health ins

@quistunes 5 лет назад

Gorgeous place! Looks like you're standing in front of a painting.

@pnwester2697 5 лет назад

In the state of Washington, I used the income based Washington Healthplanfinder and found a high deductible plan for my wife and I for less than four dollars a month. To qualify, we had to have a yearly two person AGI of $66,000 or less. Two free PCP visits a year for each of us, then pay towards the deductible.

@HighDollarHobo 5 лет назад

I always liked the video before I watch it! Because I always know it's going to be informative. Beautiful background Bob!

@nitay8248 5 лет назад

HighDollarHobo so do I!

@sergiovalenti7255 5 лет назад

Fabulous background scenery!✌️

@believer7733 5 лет назад

Julian, I agree wholeheartedly! I wish I were there 😪😥! I'm stuck in hot, humid, overcrowded Florida! I'd better stop; I'm making myself sad!

@donnamaco1 5 лет назад

@@believer7733 Correct, I am in FL too. The city keeps taking golf courses, changing the zoning and filling them with townhouses, high density living. More people, noise, traffic, air pollution, congestion, lines at the grocery store, every where are longer wait times. lol.

@believer7733 5 лет назад

@@donnamaco1 Totally agree! I want out 😃🙏!

@humanity941 5 лет назад

Wow in australia we pay nothing if someone cannot afford it including surgeries etc and our insurance isnt very expensive compared to america

@beth5247 5 лет назад

Irrelevant! I can not drive my van to Australia lol

@susanstevens4234 5 лет назад

Here in the US we got lucky about 70 years ago, and our doctors had enough say to put a stop on universal medical. Now, we are run, through and through by corporations. You can see who corporate American is looking out for-themselves.

@TheVintageBumbleBee 5 лет назад

I'm coming to live in your backyard mate!

@Idahomie 5 лет назад

@@beth5247 You can be a part of a non profit that lobbys for some sensible plan in your state...As a veteran nurse...i can tell you that the fox is in the chicken house...and the co's are pay theor PR outfits to lie to use daily...to fool us otherwise

@johnd4348 5 лет назад

You pay for it thru Taxes. We have 20 percent taxes You have 70 percent taxes or more.

@laurabehenna9602 5 лет назад

Many communities have public-funded Community Clinics that accept both uninsured and insured patients. They don't turn people away because they can't pay. Most provide good basic health care. I used to work for the community clinic in Helena, Montana. That clinic also had a referral network of specialists who accepted reduced fees according to our clinic's sliding fee scale. Look for clinics like this online for wherever you're going.

@TrotterDel 5 лет назад

In the United Kingdom we have a National Health Service. Free at the point of need. Yes it can be abused, but there will never be a bill waiting for you after treatment. TBH, it’s the crowning glory of our, sometimes chaotic country.

@melissabeissner5325 5 лет назад

Free health care? You pay 70-75% of your income for that "free" care.

@TrotterDel 5 лет назад

Where on earth do you get that figure from ?

@TrotterDel 5 лет назад

National insurance rate is 12% of income. Paid at source, as part of deductions from pay. This now provides cover for all. Your family, the guy next door, the people out of state are not going to die from a preventable disease, meds’ would be made available, although an extra charge of £9 ($10) is made per item, be it aspirin or the most expensive drug you can think of. It ain’t perfect, but I do know that I’m safe, as are my family. And as a pensioner, I no longer contribute.

@danceswithbears2521 5 лет назад

I had a plan that only covered my state. I got sick in another state and had no coverage. Now I have a plan which covers the entire country.

@Lotuslaful 5 лет назад

what plan did you find that does that?

@waynemontpetit8181 Год назад

Don't forget about FQHCs (Federally Qualified Health Centers). You can look them up in your area. Your tax dollars have paid for these your whole life without knowing it ☺️ They cannot turn you down for any reason, you also don't need ID (a number of undocumented individuals go to the one in our town with no ID), do have a sliding scale. And if you're unable to pay they are legally obligated to not turn your account over to a collection agency.

@todhunt182 5 лет назад

I feel better just by seeing the scenery behind you! Now that's a free health plan.

@lsr69wontquit64 5 лет назад

Medicare does not cover dental, vision or hearing aids. I'm on Medicare thus minus these benefits.

@jeffeisenbrei7128 5 лет назад

Mexico

@TheVintageBumbleBee 5 лет назад

Well....we don't eat as much as we get older, so we don't need as many teeth, all my friends are wrinkly, so my vision is good enough and there isn't much good to hear in this world...so I'm gonna be okay!

@leoblumhagen644 5 лет назад

Linda Rhodes get Medicare Advantage, dental, optical and hearing aid benefits, depends on the plan, of course you have to be 66

@tallentstravels5727 5 лет назад

It also only covers 80% of WHAT THEY APPROVE of!

@auroranite 5 лет назад

Tallent's Travels 80% is the max coverage most major plans offer. I’ll be happy if I can get that coverage when I’m 66. No one pays 100% coverage. Many don’t offer of extend coverage to dental- hearing- eyes.my current insurance only covers 50% of any dental work. I do think medicare should included dental in coverage. Good dental health affects body health.

@ChrisRI1000 5 лет назад

Excellent advice especially the HSA advice. Never thought of using an HSA and how handy it can be for more then just paying healthcare bills.

@priola7587 5 лет назад

And... once you are 65 you qualify for Medicare. You need to sign up during the 7 month period .... 3 months before your birthday, the month of your birthday, and 3 months after. No cost. Part b, costs and comes out of your social security if you enroll. Part d is prescriptions. Remember to at least sign up for Part A.

@priola7587 5 лет назад

@Talker pauls part c is like an hmo. Most people don't get it because it limits you to the approved doctors. Most get part b, which is more like regular insurance. B and C and D cost money. I'm just learning by reading articles.

@todddunn945 5 лет назад

@Talker pauls Medicare Part C is also called Medicare Advantage. Basically it is private insurance that replaces your Medicare. You still have to pay the Part B premium ($135.50 in 2019) and may also have to pay an additional premium. Medicare Advantage plans are regional just like all other private insurance in that you have a network of doctors you can use and have very limited coverage outside your region.

@ronstrobel9227 5 лет назад

@Talker pauls It is Medicare Advantage -- think: HMO. ~ Kir in Tennessee

@leoblumhagen644 5 лет назад

priola7 I can get a Medicare Advantage plan in Florida that is a PPO my wife has it now, she was just in the hospital 21 days total cost under $2,000.00 included emergency room and ambulance transport. Most RX are no charge, cost to her under $125.00 per month

@patriciaburr4826 5 лет назад

Just a note...if you're already collecting social security before 65 yrs old...they automatically sign you up for medicare. You don't have do it 7 months ahead of birthday.

@susano7587 5 лет назад

I LOVE your background, Bob!!! Thank you for the information about Health Care. This is what is stopping me from taking the plunge and joining you all. I have sleep apnea that requires oxygen at night, and haven't yet figured out if I am able to live on "solar only" with my health requirements. I have good insurance, but I don't think my oxygen provider would be willing to work with me if I were living on the road. Maybe one day you can do a blog for people who use oxygen to sleep, and live the nomadic life. I am very grateful to you.

@darlenesee2561 5 лет назад

My (very good) primary care in Asheville NC recommended Liberty Health Share - it is pretty good - alt to insurance

@SuperPumpkin22 5 лет назад

FyI. If u Medicaid, it is state specific. U are only covered in the state that issued u the card. But if u are out of state and have to go to the ER, the Medicaid will cover that ER visit and that's all. If u have to be admitted u are suppose to apply for that states Medicaid.

@donnaportelli1277 3 года назад

If anyone gets sick on the road, go 2 an ER they cant refuse you & u dont have to pay 1 penny! I did that for many years. U can also apply for chardy!!!!!! Thats ur best bet!!! Stay safe.

@patriciaburr4826 5 лет назад

Great video Bob as usual. I love the idea of the HSA. I now plan to get one right after my van purchase. Still planning for my nomad journey. You are my original inspiration and I hope to meet you someday.

@kateburk2168 5 лет назад

Bob, are you keeping your pharmaceuticals cool? Excessive heat tends to degrade them.

@Lumencraft- 5 лет назад

I with you on the HSA Bob, they are a great way to prepare for the road ahead, doge taxes, and potentially leverage compound interest.

@katwoman6523 5 лет назад

It's not everywhere, but Costco offers discounted prescriptions for those without drug insurance coverage.

@zoommikerobinson3315 5 лет назад

Also, it you're Veteran (making $32,000 or less) you get 100% free medical coverage. Prescriptions can be phoned in, by letting them know to enroll you in the Traveling Vet Program. They will mail a prescription anyplace you ask them.

@shellyscott6447 5 лет назад

Good Luck w/Medicaid!! My son had it and No one would except it. We are in Kentucky

@shellyscott6447 5 лет назад

@@welcometoreality3450 I don't know what that means? All I know is what he went thru

@KimberleyPaige1 5 лет назад

I wish more people would refer to it as the Affordable Care Act ACA - yes it happened during the Obama administration but a lot of people fought long and hard to get expanded access to healthcare offered to all people. Hopefully one day we won't have to worry about healthcare and medical bills. Healthcare should be a human right!

@nostressmike 5 лет назад

I use gold/Silver to pay doctors. You pay half price and service is immediate. Plus I take care of myself, don't get sickly. Mike

@Ann-jh9bn 5 лет назад

This is such a great video! It gave me a new perspective on HSA accounts. Thank you!

@Angel-yl1ck 5 лет назад

Bob, You have so much information and are so great at sharing. I've followed you for a while. I am in Medford, did you see me waving as you drove by...:-) The Lovely Lady Shasta looks beautiful behind you. I hope you got to stay a day or so there. Burney Springs is just down the road in a SE direction towards Mt. Lassen. I hope you stay off the five and drive the three ninety five towards Susanville. That's such a beautiful route. Blessings.

@FranciscoRodriguez-ku1nl 5 лет назад

Please guys. With this wonderful life you are living, not a chance to get sick. Love your videos, thanks.

@brianwanberg4743 5 лет назад

Thanks Bob, i have a question. Don't you need a prescription in Mexico to get "prescripton" drugs? Do they sell all of them over the counter without a doctors' prescription? Sorry, I'm just a confused old guy.

@leoblumhagen644 5 лет назад

Brian Wanberg yes no prescription needed except for narco pain meds

@4040smokey 5 лет назад

I hope someday you do a video on how tribe members are supported by the other tribe members when they have severe health or financial problems.

@kellyleathers8806 5 лет назад

How about taking some of the trillions of dollars that’s spent on defense and paying for health care for the citizens....in fact health care and education should be totally free for all legal citizens period.....

@janedoe-ex5wo 5 лет назад

YES👍👍

@michaelh465 5 лет назад

Wow. Trillions for the military? No it's the free healthcare for all costs trillions. I'll bet you don't pay taxes do you?

@kellyleathers8806 5 лет назад

Michael H hey mike I’m 55 and yes I pay taxes and have been since I was 18 and I was adding up over the years and yes trillions of dollars..... health care should be free to all citizens as well as education....

@beachblond1968 4 года назад

Nothing is free.

@sunflower9797 5 лет назад

In NY the income cap for Medicaid is over $16,000. That's quite a bit of money for someone who doesn't have to pay rent or other bills. Medicaid pays 100% of everything, and they even paid ME $50 to have a mammogram.

@whatsananna 4 года назад

I’m a family nurse practitioner and this is really good, really well thought out. Thanks!

@TheEmster2011 4 года назад

Thank you so much for info.

@kathybitzan7473 5 лет назад

Good share. Medicare as I checked. I can go to any urgent care where ever I am if I need a dr. But personally it's just easier to take care the best you can. At 69 it has paid off for me. Eating plant based and juicing works miracles. I'm based in WA state and was wondering if I need to change states. But it's nice here in the spring also. Actually it is probably a great area except winter. By Oct I'm gone. Maybe Sept I hope.

@shirleyrichards6705 5 лет назад

Hi Bill good category to talk about..

@theacase8738 10 месяцев назад

Crossing state lines with prescriptions can be limiting. My last experience I was told the prescriptions can be transferred once.

@covetthecamper2289 3 года назад

Still great information. My wife & I are early 50’s going to live in our RV year-round to live frugally & see this beautiful country of ours. Thank you Bob. So many awesome ideas here on your channel. 👍🏻

@anitavaughn1968 5 лет назад

Bob! What beautiful mountain is that in the background?

@cs-mh2dh 5 лет назад

Obamacare was $800 a month for me, a single female. Obamacare never worked for me when it came to affordability.

@irenew6202 5 лет назад

My husband passed away .. I had no income or insurance... I had already had stage 2 breast cancer .. so mammograms where important.. I went on Obama care.. at the end of the year.. i had to pay the IRS $ 500 for Obama care... And now i am on S.S. and i still have to pay 6 months of the insurance i got from them...SO i say Nooooooo to Obama care if you are on a fixed income... they do not tell you about the IRS at the end of the year....

@cs-mh2dh 5 лет назад

@@irenew6202 I have never seen any good in Obamacare. Everyone I know who was on it has similar stories as yours. It seems to be a money trap, not in your favor. Facts show that the number of people who like Obamacare are small in comparison to the rest of the people who either had bad situation with it, or could not afford it.

@g-r-a-e-m-e- 5 лет назад

Perhaps the US needs a national health service, like the UK.

@ConestogaCreek 5 лет назад

ghlyall - no thank you. But I hope your greet your replacements warmly.

@VannaMae 3 года назад

I totally agree.

@DuTubeable 5 лет назад

Can you use a HSA debit card for dental and vision care in Mexico? Or do they only accept cash in Algodonas?

@DuTubeable 5 лет назад

@Micheal Mitchell - yeah... I was thinking that. I'll have to check with the bank where my HSA and ask if receipts are enough to make sure I don't get penalized or taxed on cash withdrawn ahead of time to pay for dental and vision if I go to Algodones.

@jojowallace5098 5 лет назад

We could not afford our Obamacare at $800 a month. The HSA and catastrophic insurance plan sound pretty good to me! Thanks, Bob.🧚‍♀️

@gavinsnana 5 лет назад

Thank you yet again Bob. Your contributions to mankind and womankind) are priceless. 👌🏽 You’re an angel with a beard and tattoos. 💕

@Yorky222 5 лет назад

We in the UK don't have the problem, but wonderful advice for US citizens.

@Bum_Hip 5 лет назад

Douglas Elliot as an American, I can only dream of living in, and being a citizen of a modern country like yours.

@teresasanchez8853 5 лет назад

How long is the waitting times for special care?

@kitty46802 5 лет назад

With the HSA you still have to pay for the underlying health care policy while your funding the deductible money in the HSA. FOR EXAMPLE. I funded my deductible account with tax return money but I'm still paying a monthly cost on the underlying health insurance policy.

@maribethspence6740 5 лет назад

Very well done video! I'll be putting this one on a saved list to watch again too. Thank you, Bob for all that you do for folks on the road...and shoot it's good info for anyone really not just nomads

@earthspirit8286 5 лет назад

Beautiful background , thank you for sharing this info with us all. Was Great to meet you at the Tiny(house) Festival yesterday. Sincerely Diane and Raymond

@kimberlyjohnson4319 3 года назад

All your videos are awesome thank you for sharing your knowledge. Problem with obama insurance is in network means your only covered in your state not when you travel.

@samreh6156 5 лет назад

Hopefully, there will be a change in governmental leadership soon and better health insurance options will then be available.

@billbabcock6324 2 года назад

Bob you do a great job!

@joanie-threefeathersspirit4478 5 лет назад

Thank you. This was one of my main concerns. I will check out that healthcare savings account.

@patpiper6884 5 лет назад

So much good information in this video. Thank you, Bob.

@russchamberlain8755 5 лет назад

My right shoulder was 180,000$ and P.T was 300$ for 15min @ 6 months 3 per week, Dr. visits were 150$ each total of 10. The final assessment with the Dr. was 600$. Extensive repair with a Sports Otho.

@CamperGirl03 4 года назад

Very informative! Thank you, Bob!! LOVE your channel!

@randypierce9485 5 лет назад

Great information for the nomadic community. Health care is very important as so many people require care out on the road.. I'm still trying to trade my rumble bee truck for a van.

@stewmiller778 5 лет назад

The money in an HSA i not all yours. The company managing your account will charge a monthly fee. But it is minimal, $5-10 per month.

@johnqglass 5 лет назад

And there is a significant penalty for none medical uses.

@Lotuslaful 5 лет назад

I wonder how you can be in a network of doctors if you are funding with HSA? Great to hear of the option.Thank you Bob!

@mermaidknows 5 лет назад

That's one advantage with an HSA.Youre not part of the traditional system.Choose your own doctors and hospital.You'd need to call around to see what various doctors & hospitals charge for checkups and procedures.You'd be surprised at the variety of discrepancy in prices in one city.You become your own healthcare advocate by comparative shopping.We used to have a HSA's years ago when we had money.

@jfitzpatrick6108 5 лет назад

Can one purchase a portable Heart Defibrillator in Algodones?

@karmesinhexerei3209 5 лет назад

I had so many questions about this, and ya pretty much answered them all. Thanks! :)

@sacredstonecards9051 11 месяцев назад

Thank you Bob

@margaretkelly9286 5 лет назад

I have a HSA through work; the ONLY option my company started to offer. This sounds good except healthcare costs are so artificially inflated because insurance companies had deep pockets so there was no reasonable controls on the cost that it just means I pay for my own healthcare through pre-tax dollars. Oh, and an 8,000 deductible. It is really just a good option for young people in my opinion.

@marjoriehall9984 5 лет назад

My husband and I are part of a Christian health sharing plan--it isn't insurance--they expect you to pay for the things you can plan for--yearly physical, etc. But every month your "share" (payment) gets applied to the group and that gets used to pay the expenses of other's unexpected costs after a deductible (you choose the deductible level you're comfortable with). The older you are the higher your share as you're obviously more likely to need assistance. Also, if you're into extreme type sporting activities this isn't the option for you--accidents under those circumstances are not covered as you're expected to take responsibility for your risk. It is working for us for now, but I'd like something better. Still, it's been good to have it as an alternative to traditional health care plans.

@mikewilley3190 11 месяцев назад

Good information thank you 😊

@thizizliz 5 лет назад

Really helpful info Bob. What a good video. I suspect you've helped a LOT of people.

@MonicaMorganDesigns 5 лет назад

Bad acting, bad acting!!😂😂😂🤣🤣🤣 Loved it!!

@lendaryreviews 3 года назад

Such le93ndary advices. Thank you sir!. ^_^ stay happy

@MikeandLisasExcellentAdventure 5 лет назад

Very good info. Thanks Bob!

@imotngayang6209 3 года назад

Great information as always. Thank you Bob

@regenagroen4631 5 лет назад

Beginning? FUNNY LMBO!!!!! THANKS for all the great info. Bob really appreciate it!!!! LOVES/HUGS to you & Cody!!!

@jackbyrd381 5 лет назад

Note: after age 65, you can no longer contribute to a HSA. But it is a great alternative.

@christineh9478 5 лет назад

Obamacare is different for each county in the west. A covered person is only covered in one county. Just so ya'll know. Really like the backdrop!

@patrickcallahan2210 5 лет назад

Another option on having a cash slush fund is a ROTH IRA. After 5 years of having the account, you can take out the money you have put in both tax and penalty-free. You only pay penalties if you take out the growth :) BTW I have a Roth as well as HSA setup and it opens up lots of options.

@dinosaur304 5 лет назад

Thanks Bob, this is very helpful.

@aileenbeyer5559 5 лет назад

Its not Obama care. It's the affordable care act. My HSA had to used within the year or you lost it all and then all payouts had to go through an approval process.

@siobane5775 5 лет назад

Aileen Beyer that’s s flex account not a hsa

@aileenbeyer5559 5 лет назад

@@siobane5775 my bad

@edithdavis2848 5 лет назад

I have United Health Care/Humana., with medicaid and medicare. I hit thumbs up before video even starts.

@TheMarialevy 5 лет назад

We have For PROFIT healthcare in the US. It's a business and they need us to be sick in order to make money. It will never change because some very powerful people will not tolerate revenue loss for humanitarian reasons.

@JOHNMORIN100 5 лет назад

Wow what a WELL OF HELP THANK YOU. the Morins in Milo, Maine 100 PLUS points THANKS

@wyrick6869 5 лет назад

New subscriber getting ready to go on the road , your information is so valuable it's crazy ! Thank you so much ! KW.

@trustinwwjd1997 5 лет назад

Thanks so much for sharing such an info subject,,,, Safe, happy & blessed RVing on your all journey,,,,

@petuniaromania6294 2 года назад

Good Morning. Which vehicle insurance companies do you recommend? Thank you.

@Fanzindel 5 лет назад

Good luck paying for all the surgeries with that HSA. God forbid you have any condition that requires any regular medications or procedures which many people especially in your age bracket require. And $3500/year is not laying around on everyone’s front porch. HSA is great for your deductible but no substitute for insurance.