{"id":15751,"date":"2025-11-12T19:50:09","date_gmt":"2025-11-12T19:50:09","guid":{"rendered":"https:\/\/medbox.com\/?p=15751"},"modified":"2025-11-12T19:50:14","modified_gmt":"2025-11-12T19:50:14","slug":"health-insurance-for-retirees-under-65-what-are-your-options","status":"publish","type":"post","link":"https:\/\/medbox.com\/vi\/health-insurance-for-retirees-under-65-what-are-your-options\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi v\u1ec1 h\u01b0u d\u01b0\u1edbi 65 tu\u1ed5i: B\u1ea1n c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn n\u00e0o?"},"content":{"rendered":"

Ngh\u1ec9 h\u01b0u tr\u01b0\u1edbc 65 tu\u1ed5i nghe c\u00f3 v\u1ebb nh\u01b0 m\u1ed9t gi\u1ea5c m\u01a1, cho \u0111\u1ebfn khi b\u1ea1n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf. B\u1ea1n ngh\u0129 r\u1eb1ng m\u00ecnh \u0111\u00e3 t\u1ea1m g\u00e1c l\u1ea1i nh\u1eefng c\u00f4ng vi\u1ec7c th\u01b0\u1eddng nh\u1eadt v\u00e0 \u0111ang tr\u00ean \u0111\u01b0\u1eddng t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng theo c\u00e1ch c\u1ee7a ri\u00eang m\u00ecnh, r\u1ed3i th\u1ef1c t\u1ebf \u1eadp \u0111\u1ebfn: b\u1ea1n kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u00f3m c\u1ee7a c\u00f4ng ty chi tr\u1ea3 n\u1eefa, v\u00e0 b\u1ea1n c\u00f2n qu\u00e1 tr\u1ebb \u0111\u1ec3 tham gia ch\u01b0\u01a1ng tr\u00ecnh Medicare. \u0110\u1ed3ng th\u1eddi, chi ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n cho\u00e1ng v\u00e1ng.<\/p>\n\n\n\n

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Medbox: Kh\u00f4ng bao gi\u1edd ph\u1ea3i ph\u00e2n lo\u1ea1i thu\u1ed1c n\u1eefa<\/h2>\n <\/div>\n \n \n\n B\u1eaft \u0111\u1ea7u<\/span>\n \n \n \n <\/a>\n\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

Tuy nhi\u00ean, c\u00f3 tin t\u1ed1t cho b\u1ea1n. B\u1ea1n c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn: th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m y t\u1ebf, COBRA<\/a>, t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m s\u1ee9c kh\u1ecfe, v.v. Tuy nhi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00ecm ra l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi ng\u00e2n s\u00e1ch, l\u1ecbch tr\u00ecnh v\u00e0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n. H\u00e3y c\u00f9ng so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 t\u1eadn h\u01b0\u1edfng th\u1eddi gian ngh\u1ec9 h\u01b0u m\u00e0 kh\u00f4ng ph\u1ea3i lo l\u1eafng v\u1ec1 c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf ti\u1ec1m \u1ea9n.<\/p>\n\n\n\n

C\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi ngh\u1ec9 h\u01b0u s\u1edbm<\/h2>\n\n\n\n

V\u1eady, b\u1ea1n c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn n\u00e0o khi ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e0 tuy\u1ec3n d\u1ee5ng kh\u00f4ng c\u00f2n hi\u1ec7u l\u1ef1c? D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00e1ch \u0111\u1ec3 duy tr\u00ec b\u1ea3o hi\u1ec3m: <\/p>\n\n\n\n

1. B\u1ea3o hi\u1ec3m Y t\u1ebf Marketplace (Ch\u01b0\u01a1ng tr\u00ecnh ACA)\u00a0<\/h3>\n\n\n\n

N\u1ebfu b\u1ea1n ngh\u1ec9 h\u01b0u tr\u01b0\u1edbc 65 tu\u1ed5i, ch\u01b0\u01a1ng tr\u00ecnh Health Insurance Marketplace c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t c\u1ee7a b\u1ea1n. \u0110\u1ea1o lu\u1eadt Ch\u0103m s\u00f3c Gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng (ACA)<\/a> C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf cung c\u1ea5p b\u1ea3o hi\u1ec3m cho t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe thi\u1ebft y\u1ebfu c\u1ee7a b\u1ea1n, bao g\u1ed3m thu\u1ed1c theo toa, ch\u0103m s\u00f3c ph\u00f2ng ng\u1eeba, kh\u00e1m b\u1ec7nh vi\u1ec7n, v.v. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p lo\u1ea1i tr\u1eeb b\u1ea1n kh\u1ecfi b\u1ea5t k\u1ef3 b\u1ec7nh l\u00fd n\u1ec1n n\u00e0o v\u00e0, gi\u1ed1ng nh\u01b0 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kh\u00e1c, ch\u00fang cung c\u1ea5p nhi\u1ec1u m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u1ec3 b\u1ea1n l\u1ef1a ch\u1ecdn. <\/p>\n\n\n\n

C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i th\u00e0nh \u0110\u1ed3ng, B\u1ea1c, V\u00e0ng v\u00e0 B\u1ea1ch kim d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c cung c\u1ea5p. \u01afu \u0111i\u1ec3m \u1edf \u0111\u00e2y l\u00e0 thu nh\u1eadp h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn tr\u1ee3 c\u1ea5p c\u1ee7a ch\u00ednh ph\u1ee7, gi\u00fap gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng.<\/p>\n\n\n\n

2. B\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c COBRA\u00a0<\/h3>\n\n\n\n

\u0110\u1ea1o lu\u1eadt \u0110i\u1ec1u h\u00f2a Ng\u00e2n s\u00e1ch T\u1ed5ng h\u1ee3p (COBRA) l\u00e0 lu\u1eadt li\u00ean bang cho ph\u00e9p b\u1ea1n ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a ch\u1ee7 lao \u0111\u1ed9ng trong m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh sau khi ngh\u1ec9 h\u01b0u, th\u01b0\u1eddng l\u00e0 18 th\u00e1ng. B\u1ea1n ph\u1ea3i t\u1ef1 tr\u1ea3 to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m, nh\u01b0ng \u0111\u00e2y l\u00e0 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng \u0111\u1ec3 duy tr\u00ec c\u00f9ng m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 b\u00e1c s\u0129 m\u00e0 b\u1ea1n \u0111\u00e3 s\u1eed d\u1ee5ng trong khi t\u00ecm hi\u1ec3u c\u00e1c l\u1ef1a ch\u1ecdn d\u00e0i h\u1ea1n. Kh\u00f4ng c\u00f3 kho\u1ea3ng tr\u1ed1ng b\u1ea3o hi\u1ec3m, kh\u00f4ng c\u1ea7n \u0111i\u1ec1n th\u00eam m\u1eabu \u0111\u01a1n m\u1edbi v\u00e0 kh\u00f4ng c\u00f3 c\u00e2u h\u1ecfi v\u1ec1 s\u1ee9c kh\u1ecfe. <\/p>\n\n\n\n

T\u1ea5t nhi\u00ean, COBRA ch\u1ec9 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p t\u1ea1m th\u1eddi. T\u1ed1t nh\u1ea5t n\u00ean s\u1eed d\u1ee5ng n\u00f3 trong v\u00e0i th\u00e1ng khi b\u1ea1n ch\u1ec9 c\u00f2n v\u00e0i th\u00e1ng n\u1eefa l\u00e0 \u0111\u1ebfn tu\u1ed5i 65 ho\u1eb7c khi b\u1ea1n d\u1ef1 \u0111\u1ecbnh \u0111\u0103ng k\u00fd ch\u01b0\u01a1ng tr\u00ecnh ACA v\u00e0o cu\u1ed1i n\u0103m. Ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 cao, v\u00ec v\u1eady h\u00e3y nh\u1edb so s\u00e1nh v\u1edbi chi ph\u00ed c\u1ee7a c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh Marketplace tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n

3. K\u1ebf ho\u1ea1ch do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng t\u00e0i tr\u1ee3 c\u1ee7a v\u1ee3\/ch\u1ed3ng\u00a0<\/h3>\n\n\n\n

N\u1ebfu v\u1ee3\/ch\u1ed3ng b\u1ea1n v\u1eabn \u0111ang \u0111i l\u00e0m, m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p d\u1ec5 d\u00e0ng v\u00e0 \u00edt t\u1ed1n k\u00e9m nh\u1ea5t c\u00f3 th\u1ec3 l\u00e0 b\u1ea1n tham gia ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a c\u00f4ng ty n\u01a1i v\u1ee3\/ch\u1ed3ng b\u1ea1n l\u00e0m vi\u1ec7c. Nhi\u1ec1u c\u00f4ng ty cho ph\u00e9p v\u1ee3\/ch\u1ed3ng b\u1ea1n \u0111\u01b0\u1ee3c th\u00eam v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh trong th\u1eddi gian \u0111\u0103ng k\u00fd m\u1edf ho\u1eb7c \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi m\u1ed9t s\u1ef1 ki\u1ec7n quan tr\u1ecdng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, ch\u1eb3ng h\u1ea1n nh\u01b0 ngh\u1ec9 h\u01b0u. <\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m n\u00e0y th\u01b0\u1eddng r\u1ebb h\u01a1n so v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u00e1 nh\u00e2n, v\u00e0 r\u1ea5t ti\u1ec7n l\u1ee3i v\u00ec ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb tr\u1ef1c ti\u1ebfp t\u1eeb l\u01b0\u01a1ng c\u1ee7a v\u1ee3\/ch\u1ed3ng b\u1ea1n. H\u00e3y ki\u1ec3m tra xem ch\u1ee7 lao \u0111\u1ed9ng chi tr\u1ea3 bao nhi\u00eau cho chi ph\u00ed b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c. Ngo\u00e0i ra, h\u00e3y \u0111\u1ea3m b\u1ea3o g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u1ea3 b\u00e1c s\u0129 v\u00e0 b\u1ec7nh vi\u1ec7n m\u00e0 b\u1ea1n y\u00eau th\u00edch. <\/p>\n\n\n\n

4. C\u00f4ng vi\u1ec7c b\u00e1n th\u1eddi gian c\u00f3 ph\u00fac l\u1ee3i y t\u1ebf\u00a0<\/h3>\n\n\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty cung c\u1ea5p b\u1ea3o hi\u1ec3m y t\u1ebf cho nh\u00e2n vi\u00ean b\u00e1n th\u1eddi gian, v\u00e0 n\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c c\u00f4ng ty n\u00e0o c\u00f3 b\u1ea3o hi\u1ec3m th\u00ec \u0111\u00f3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn kh\u00e1 th\u00f4ng minh. C\u00e1c chu\u1ed7i c\u1eeda h\u00e0ng b\u00e1n l\u1ebb v\u00e0 tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc th\u01b0\u1eddng cung c\u1ea5p c\u00f4ng vi\u1ec7c b\u00e1n th\u1eddi gian cho ng\u01b0\u1eddi cao tu\u1ed5i<\/a> c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf nh\u00f3m. B\u1ec7nh vi\u1ec7n c\u0169ng c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y, m\u1eb7c d\u00f9 hi\u1ec7n nay \u00edt h\u01a1n. <\/p>\n\n\n\n

Nh\u00ecn chung, b\u1ea1n s\u1ebd c\u1ea7n l\u00e0m vi\u1ec7c m\u1ed9t s\u1ed1 gi\u1edd nh\u1ea5t \u0111\u1ecbnh m\u1ed7i tu\u1ea7n, nh\u01b0ng \u0111\u1ed5i l\u1ea1i, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i \u00edch t\u1eeb m\u1ee9c ph\u00ed nh\u00f3m v\u00e0 \u0111\u00f3ng g\u00f3p c\u1ee7a ch\u1ee7 lao \u0111\u1ed9ng, c\u1ea3 hai \u0111i\u1ec1u n\u00e0y b\u1ea1n s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t cho nh\u1eefng ng\u01b0\u1eddi ngh\u1ec9 h\u01b0u s\u1edbm \u0111ang t\u00ecm ki\u1ebfm s\u1ef1 \u1ed5n \u0111\u1ecbnh ho\u1eb7c t\u01b0\u01a1ng t\u00e1c x\u00e3 h\u1ed9i. L\u1ee3i \u00edch b\u1ed5 sung l\u00e0 b\u1ea1n s\u1ebd ki\u1ebfm th\u00eam \u0111\u01b0\u1ee3c m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ecf trong khi v\u1eabn gi\u1eef chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u1edf m\u1ee9c th\u1ea5p.<\/p>\n\n\n\n

5. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n<\/h3>\n\n\n\n

M\u1ed9t l\u1ef1a ch\u1ecdn kh\u00e1c l\u00e0 mua tr\u1ef1c ti\u1ebfp t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n. B\u1ea1n kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 ti\u1ec7n \u00edch b\u1ed5 sung \u0111\u01b0\u1ee3c cung c\u1ea5p th\u00f4ng qua ACA Marketplace. T\u00f9y thu\u1ed9c v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn m\u1ea1ng l\u01b0\u1edbi b\u1ea3o hi\u1ec3m h\u01a1n, c\u0169ng nh\u01b0 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung nh\u01b0 b\u1ea3o hi\u1ec3m nha khoa ho\u1eb7c b\u1ea3o hi\u1ec3m th\u1ecb l\u1ef1c. L\u01b0u \u00fd r\u1eb1ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n s\u1ebd \u0111\u1eaft h\u01a1n v\u00ec ACA kh\u00f4ng tr\u1ee3 c\u1ea5p cho c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y. <\/p>\n\n\n\n

Tuy nhi\u00ean, l\u1ee3i th\u1ebf \u0111\u00e1ng k\u1ec3 l\u00e0 kh\u1ea3 n\u0103ng t\u00f9y ch\u1ec9nh. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi l\u1ed1i s\u1ed1ng, nhu c\u1ea7u s\u1ee9c kh\u1ecfe v\u00e0 k\u1ebf ho\u1ea1ch du l\u1ecbch c\u1ee7a m\u00ecnh. V\u00ed d\u1ee5, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p m\u1ea1ng l\u01b0\u1edbi to\u00e0n qu\u1ed1c r\u1ed9ng h\u01a1n ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m qu\u1ed1c t\u1ebf t\u1ed1t h\u01a1n cho ng\u01b0\u1eddi du m\u1ee5c v\u00e0 ng\u01b0\u1eddi v\u1ec1 h\u01b0u th\u01b0\u1eddng xuy\u00ean di chuy\u1ec3n. Tuy nhi\u00ean, h\u00e3y nh\u1edb so s\u00e1nh b\u00e1o gi\u00e1 v\u00e0 \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, v\u00ec c\u00e1c c\u00f4ng ty c\u00f3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 kho\u1ea3n kh\u1ea5u tr\u1eeb kh\u00e1c nhau \u0111\u00e1ng k\u1ec3.<\/p>\n\n\n\n

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\u0110\u01a1n thu\u1ed1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0 giao<\/h2>\n <\/div>\n \n \n\n T\u00ecm hi\u1ec3u th\u00eam<\/span>\n \n \n \n <\/a>\n\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

6. T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m s\u1ee9c kh\u1ecfe (HSA) k\u1ebft h\u1ee3p v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m kh\u1ea5u tr\u1eeb cao<\/h3>\n\n\n
\n
\n\n \n \n \n \n \n \"hsa-savings-account\"\n <\/picture>\n\n<\/figure>\n<\/div>\n\n\n

N\u1ebfu b\u1ea1n t\u01b0\u01a1ng \u0111\u1ed1i kh\u1ecfe m\u1ea1nh v\u00e0 mu\u1ed1n gi\u1eef m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p, h\u00e3y c\u00e2n nh\u1eafc k\u1ebft h\u1ee3p m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb cao v\u1edbi T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m s\u1ee9c kh\u1ecfe<\/a>. B\u1ea1n s\u1ebd c\u00f3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng th\u1ea5p h\u01a1n, nh\u01b0ng b\u00f9 l\u1ea1i l\u00e0 m\u1ee9c kh\u1ea5u tr\u1eeb cao h\u01a1n. HSA cho ph\u00e9p b\u1ea1n ti\u1ebft ki\u1ec7m ti\u1ec1n tr\u01b0\u1edbc thu\u1ebf \u0111\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed y t\u1ebf, v\u00e0 b\u1ea5t k\u1ef3 kho\u1ea3n ti\u1ec1n n\u00e0o ch\u01b0a s\u1eed d\u1ee5ng s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n sang n\u0103m sau, k\u1ec3 c\u1ea3 khi ngh\u1ec9 h\u01b0u. <\/p>\n\n\n\n

Sau 65 tu\u1ed5i, b\u1ea1n th\u1eadm ch\u00ed c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n n\u00e0y cho c\u00e1c chi ph\u00ed kh\u00f4ng li\u00ean quan \u0111\u1ebfn y t\u1ebf (\u0111\u01b0\u1ee3c \u0111\u00e1nh thu\u1ebf nh\u01b0 thu nh\u1eadp, kh\u00f4ng b\u1ecb ph\u1ea1t). \u0110\u00e2y l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t cho nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n ki\u1ec3m so\u00e1t chi ti\u00eau t\u1ed1t h\u01a1n v\u00e0 s\u1eb5n s\u00e0ng chi tr\u1ea3 cho c\u00e1c kho\u1ea3n chi ph\u00ed nh\u1ecf h\u01a1n. B\u1ea1n c\u00f3 th\u1ec3 coi \u0111\u00e2y l\u00e0 m\u1ed9t kho\u1ea3n d\u1ef1 ph\u00f2ng c\u00e1 nh\u00e2n cho chi ph\u00ed y t\u1ebf \u0111\u1ed3ng th\u1eddi ti\u1ebft ki\u1ec7m thu\u1ebf.<\/p>\n\n\n\n

Ph\u1ea7n k\u1ebft lu\u1eadn<\/h2>\n\n\n\n

Ngh\u1ec9 h\u01b0u s\u1edbm \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ea1n c\u00f3 th\u1ec3 tho\u1ea3i m\u00e1i t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng, nh\u01b0ng c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ea1n ph\u1ea3i t\u1ef1 lo li\u1ec7u v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf. \u0110i\u1ec3m t\u00edch c\u1ef1c l\u00e0 b\u1ea1n c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh ACA, COBRA v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n cung c\u1ea5p c\u00e1c ch\u00ednh s\u00e1ch d\u00e0nh cho ng\u01b0\u1eddi v\u1ec1 h\u01b0u. M\u1ee5c ti\u00eau l\u00e0 t\u00ecm ra ch\u01b0\u01a1ng tr\u00ecnh ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u s\u1ee9c kh\u1ecfe v\u00e0 ng\u00e2n s\u00e1ch c\u1ee7a b\u1ea1n, \u0111\u1ed3ng th\u1eddi mang l\u1ea1i cho b\u1ea1n s\u1ef1 an t\u00e2m trong tr\u01b0\u1eddng h\u1ee3p g\u1eb7p ph\u1ea3i v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe b\u1ea5t ng\u1edd. <\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Ngh\u1ec9 h\u01b0u tr\u01b0\u1edbc 65 tu\u1ed5i nghe c\u00f3 v\u1ebb nh\u01b0 m\u1ed9t gi\u1ea5c m\u01a1, cho \u0111\u1ebfn khi b\u1ea1n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m y t\u1ebf. B\u1ea1n ngh\u0129 r\u1eb1ng m\u00ecnh \u0111\u00e3 t\u1ea1m g\u00e1c l\u1ea1i nh\u1eefng c\u00f4ng vi\u1ec7c th\u01b0\u1eddng nh\u1eadt v\u00e0 \u0111ang tr\u00ean \u0111\u01b0\u1eddng t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng theo c\u00e1ch c\u1ee7a ri\u00eang m\u00ecnh, r\u1ed3i th\u1ef1c t\u1ebf \u1eadp \u0111\u1ebfn: b\u1ea1n kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u00f3m c\u1ee7a c\u00f4ng ty chi tr\u1ea3 n\u1eefa, v\u00e0 b\u1ea1n c\u00f2n qu\u00e1 tr\u1ebb \u0111\u1ec3 tham gia ch\u01b0\u01a1ng tr\u00ecnh Medicare. \u0110\u1ed3ng th\u1eddi, chi ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n cho\u00e1ng v\u00e1ng.<\/p>","protected":false},"author":24,"featured_media":15752,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[208,21],"tags":[43,230,317,329,330],"class_list":["post-15751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-retirement","tag-medicare","tag-insurance","tag-hsa","tag-aca","tag-cobra"],"acf":[],"yoast_head":"\nHealth Insurance for Retirees Under 65: What Are Your Options?<\/title>\n<meta name=\"description\" content=\"Explore health insurance options for retirees under 65, including ACA, COBRA, HSAs, and more to stay covered before Medicare eligibility.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/vi\/health-insurance-for-retirees-under-65-what-are-your-options\/\" 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t\u1ea1i Denver. \u00d4ng nh\u1eadn b\u1eb1ng C\u1eed nh\u00e2n Qu\u1ea3n tr\u1ecb Kinh doanh chuy\u00ean ng\u00e0nh T\u00e0i ch\u00ednh t\u1eeb \u0110\u1ea1i h\u1ecdc Colorado t\u1ea1i Boulder n\u0103m 2007 v\u00e0 b\u1eb1ng MBA chuy\u00ean ng\u00e0nh T\u00e0i ch\u00ednh t\u1eeb \u0110\u1ea1i h\u1ecdc Denver n\u0103m 2010. 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