The Private Health Insurance Market

I got a letter from my insurer that they no longer offered health insurance
in Tennessee. Odd, since many insurers locate their headquarters in Nashville.
I start looking for private health insurance and I literally cannot find anything
outside of the health exchanges.

Last year I had choices of Aetna, Assurant, Celtic, IHC, Humana, Time,
United Healthcare outside of the exchanges. All gone now. If I live in one
of the five biggest cities, I can get Blue Cross; otherwise, one can only
get Cigna everywhere else. That leaves two options for next year.

Go with the gold plan that has a high total out of pocket cost of twenty
thousand dollars per person and forty thousand dollar per individual at
four times the rate I pay now. Or pay twice as much for the bronze plan
and not have coverage outside of their network. Around here that will
require a quite a bit of travel due to spotty coverage.

Longer term, I have two options. One find insurers outside the United
States who provide coverage. Or, close down operations and move to
another country. Does anyone know anything about the first?

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