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Thank you for your thoughtful post, Res. It was helpful for more than the info it contained because it jogged my memory. When my brother went on disability, he went on Medicare so his wife lost their group health coverage. Her individual policy cost $2,000/month that last year until she turned 65, and she had the policy over 10 years which tends to give lower premiums than a new policy for a 60something. I am 63 with pre-existing conditions, not super-serious, but I think worse than SIL. This is starting to sound so not worth it.
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