Ask Terry Questions Health insurance

Health insurance

By Terry Savage on August 27, 2026 | Insurance & Annuities

Hi Terry,
I have BCBS, they are charging me $1,600 a month with my Obama care discount. Who can I talk to too help me get better and cheaper insurance. My husband is on Medicare and social security is about $4,000 a month. I just applied for mine at 63 because of this expense. Thank you!

Terry Says

It is a shame that rising health insurance costs have forced you to take SS early. YOu’re not alone in facing huge health insurance premiums.

Do you live in ILlinois? If so, this is the “obamacare” website, called GetCoveredIllinois —
https://getcovered.illinois.gov/

Or if you are not in Illinois, search at https://www.healthcare.gov/

That is where you can find the plan that costs least, but gives you coverage you need. Unless you are eligible for Medicaid?? https://benefitsusa.org/en/blog/medicaid-income-limits-by-state-2026

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