Firm_Love3598

Firm_Love3598 t1_j4y2sbk wrote

They are closed in the off season. Real estate alone is worth $5-$6MM. Very few days in season when there isn’t a 30-40 minute wait for seating.

Last year when boat price for lobster was $4.50/lb a single 1 1/4 pound steamed lobster was near $50 at the restaurant. Approximately 1 pound of mussels ($2.50 cost) was selling for almost $20.

The business economics are quite different in Provincetown.

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Firm_Love3598 t1_j4s1sce wrote

There are certainly lower premiums available for HMO plans. We choose the platinum tier to avoid additional costs associated with healthcare. Our max out-of-pocket is $3,000, no deductibles, very low co-payment and prescription coverage is unmatched.

I have diabetes and a recent kidney transplant. I didn’t even reach my max out of pocket last year.

I imagine gold, silver, and bronze plans will be substantially less per month but if you have a medical emergency your annualized cost could be significantly higher than paying up front.

Most people here get their insurance through their employer. I’m self-employed and she doesn’t work so this is our best option.

Good luck.

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Firm_Love3598 t1_j4rz0dj wrote

I get an HMO plan through the connector. I don’t qualify for any discounts or subsidies. We are 49m and 39f, no kids. Monthly premium for a platinum level plan is $2388 per month, no dental coverage.

If you currently have health insurance where you live and will lose that insurance when you move you will be able to apply in Massachusetts under a qualifying event.

I find the health connector quite cumbersome and largely unhelpful when I have a problem.

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