Best Health Insurance Options For Full Time Travel & Early Retirement

Today we share our best health insurance options for full time travel (early retirement). We go over Affordable Healthcare Act options, IMG Expat insurance and Med Share insurance options.

[jackkip]

I have been on the gold chm for quite a few years. Back in 2019 I had to have brain surgery. We had to pay up front but CHM ended up covering it all except our $500 deductible. It was super great to be able to schedule imaging when it was convenient for me, not waiting for a prior authorization. Very liberating!

[brookenigh]

You have no idea how much you have just relieved my health care concerns. I'll be around age 48 when I begin this lifestyle in 2.5/3 years, and I'm quite healthy so to hear how affordable these plans are was another tick of my list of FT "retired" life travel concerns. For what the expat rates for a couple around age 50 would be, I'm being charged similar to that through my government employer. Another great piece of info to log into the spreadsheet. Now if there's a way to find cheaper international flights, I'll be set! Thanks again for premium content, Allie & Rob. 🙂

[patriciabowler]

So very helpful, thank you both for all you do!

[aneesahland]

I love you guys 😊.. just thankful for you two and the info you share

[Bob-yhir]

We are of a similar thought. We are not living outside the US but will be spending months away at a time. So we will get ACA for when we are home and buy nomad insurance while away. Most of them do not require a physical to have temp insurance for a few months at a time. So that works out.

[erinf]

Thank you- this is a great breakdown of the options.

[michelleulishney]

I appreciate the knowledge I gain from the video & I appreciate the relief of knowing CHM exists. And I have done research on CHM and I have come to learn they do not cover preventative healthcare. How do you handle preventative costly healthcare procedures?

[bgbgbg]

Have you ever submitted a claim for the Medshare? I've not personally used it but have heard horror stories of them denying claims for fairly frivilous reasons. Was just curious about your experience.

[comment]

❤ wow great information. Save to folder. Thanks for sharing this.

[travisopheim]

Love the channel... thank you for sharing all your insights. What do you guys do for health insurance for your children in this situation?

[Rugrats]

I
Am single, live in Florida and it will
Cost me $0 monthly for a HSA High deductible. You can be single and income at $38k a year in Florida

[michellelee]

Your channel found me today. Finally! Do these plans cover prescription drugs for say, cholesterol?Thank you so much!

[sbkpilot]

I am reading some terrible reviews about IMG and Cigna on reddit, not sure if these are just disgruntled people due to not understanding the policy properly or if these companies are overly zealous about denying claims using frivolous reasons. A lot of reviews mention claims being denied due to the "Pre-existing" condition clause which makes no sense unless a prior physical actually showed the condition to be "pre-existing". "Pre-existing" cannot be ruled after the fact.

[worldtravelventures]

Do you guys know anything about Cigna Global or Allianze Health insurance ? Im making my plans for full time travel.I have 4 and a half years until retirement and Ive been doing my research already.I recently found your channel and I appreciate the information you guys put out.

[gifgt]

Wouldn't u need a US address to use the ACA? How can u do that iur overseas year round?

[cyndeeferlin]

Never mind previous question you’re not old enough for Medicare yet but I wonder how that work if you’re 65?

[Lady_Honor]

Being Australian health insurance isn't such a major focus, free medical when home is just a given. So I would be looking at travel insurance more. Do you guys have travel insurance for those 'just in case' moments? Lost bags, stolen documents, cancelled flights, loss of income, sickness or (goodness forbid) death when getting to your home country is required. I would feel uncomfortable not having something in place in case of one of these eventualities.. what do you do?

[plainvanillaguy]

A comprehensive ACA plan for someone in theIr 40s costs 1100 per month. Even after applying a full subsidy of 500 to 600 dollars, you're still looking at a 500 to 600 dollar a month premium. Better to save that money and have cash to pay for small emergencies in cheaper countries.

[plainvanillaguy]

If you have international travel insurance or a medical savings plan, don't you have to advance your own funds when you have a medical emergency abroad and hope to get reimbursed later? If this is true wouldn't someone need 10 000 saved up to cover this or have a credit line of that kind of money open?

[glonu]

Do you need to be Christian to join/sign-up CHM? If so, do they require proof such as written document from your pastor? Thanks