this post was submitted on 31 May 2025
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[–] [email protected] 5 points 2 weeks ago* (last edited 2 weeks ago) (2 children)

~~As long as you line up your micro retirement with open enrollment (which, coincidentally, lines up with the winter and the holidays and therefore one of the most expensive time to travel) and~~

As long as you can afford to suddenly add anywhere from two to ten thousand dollars to your micro retirement plan depending on your health needs, and as long as you live in one of the few states where the most affordable plans are offered.

Take a look at each plan in the link below, and notice under "Pros and Cons" most of the affordable ones are offered in less than half the states, and still cost thousands of dollars.

Keep in mind, these list average plan costs under the ACA, but I specifically pointed out the issue of having conditions or injuries or spouses or children that would put you above average: https://www.forbes.com/advisor/health-insurance/best-affordable-health-insurance/

(Edit - also keep in mind, I'm specifically responding to a comment that said almost anyone with a stem education can do this. Some can, sure, but no, almost anyone with a stem education cannot do this.)

[–] Ajen 2 points 2 weeks ago (1 children)

Leaving your job qualifies as a "life changing event" and allows you to sign up for private insurance under ACA. You don't need to wait for open enrollment.

[–] [email protected] 2 points 2 weeks ago

Ah, thanks for the correction. I thought it had to be an involuntary job loss.

[–] [email protected] 1 points 2 weeks ago (1 children)

Move to a better state. If you are already quitting your job to travel, you can just list yourself as living at a friend's house or whatever on paper, and then apply for health insurance.

[–] [email protected] 3 points 2 weeks ago (1 children)

That's fair, I forgot to include "or as long as you are willing to commit fraud"

[–] [email protected] 2 points 2 weeks ago

I'm not gonna say defrauding a health insurance company is a bad thing.