40% increase in Health Insurance Premium

We're pretty much full timers, with a 4 month stay at our rental condo
in San Diego. SD is our legal residency.

We just got our new premium notice for our health insurance. This
is a $5000 deductable policy and 20% copay for the next $5000.
My wife and I are 51 and 50. The premium is going up 40% next
year. The current premium is about $2900 for a year. The new
premiums is over $4000.

It feels like someone hit us in the stomach.

Two interesting facts. I went to the insurance company's web site
and it looks like they don't sell our policy, Celtic Care. They do
sell one called Celtic Care II where the premium would be about
$200 less than our current premium, even though we're one year
older. Looks like I'll have to give them a call about this.

Second fact. Same web site, but now using a Livingston, TX
zip code (Escapees home town). The premium for what appears
to be the same policy (there are probably some differences) is
80% higher. WOW!

This is not a good time of year to have to find a new health
insurance policy. I suppose we could go naked.... And that
is under consideration.

.