[quote=no_such_reality]
You also need to control variables. Employers have the “family” plan that doesn’t count how many people[/quote]
You’re right about that. But with 2 kids, we’re not a huge family.
I think the factor was adult ages. I did some what if’ing.. and it appears my husband’s age was a bigger factor. Employer coverage doesn’t include ages of adults in the pricing. (It can’t – age discrimination, etc.) ACA and privately contracted insurance considers age and smoking status.
We’ll have a gap of one year between when COBRA runs out and he qualifies for Medicare… so we’ll have to budget extra for that year. But we can make the adjustments we need with planning.
