Ugh. Open enrollment.

[Auggie]

8. When I enrolled I factored what I could afford with what I was willing to risk losing

I went with the Plan G supplement, not MA, knowing that my yearly deductible would be low even if my monthly payments would be higher. Eight months later I was diagnosed with cancer.

With the Plan G supplement I was able to assemble an awesome medical in my home town. I wasn't denied any test or any doctor. I haven't paid more than $500 in deductibles over two years despite racking up over $800,000 for minor surgery, infusion, radiation, blood work, imaging, doctor's visits, etc.

I went through a broker too, who I vetted very well. What you do want to ask them is what Plan B provider in Washington has the history of the least or lowest amount of rate hikes.

Don't do Medicare Advantage. My 95-year old mother has it, and it is a nightmare.