Medicare is Usually Superior to Small-Employer Health Insurance

There are a number of reasons.
a. The gross premium (full price) is lower under Medicare, Medicare Advantage/Medigap, unless you are subject to very high IRMAA.
b. The deductibles, copays, and out-of-pocket maximums are usually superior under Medicare.
c. Rx costs need to be watched, due to the fact that employer-provided plans do not have the Medicare Coverage Gap under Part D

Married couples need to calculate to compare.
a. Under small-employer provided plans, the deductibles and out-of-pocket maximums may be double an individual.
b. This becomes very important if one of the two spouses incurs very high healthcare costs.

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