medical insurance?

Question

I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.

i am self employed.

Answer 1

Are you self-employed? You may want to look at a co-op set up within your industry if so. These can be accessed by joining associations for your line of work. Just be sure you check the association thoroughly to make sure they're on the up-and-up.

If you're employed BY someone, then it's going to be cheaper there. There's not an individual or co-op on the planet that's cheaper than a group policy. It's all about buying power.

The best you can hope to do for a reasonable rate if you HAVE to go individual is try to buy what we in the industry call a 'catastrophic policy'. These plans are very high deductible but they make sure you don't lose everything you own if you have a catastrophic accident or illness. These are the lowest premium plans you can find.

In conclusion, I seriously suggest that you not even bother with an individual plan if you can find any other way. I've been in the business a long time and I'll be blunt in saying that there are almost no benefits to having an individual policy. It'll hit your wallet, it'll affect how you're treated by your carrier, and it'll make you count the days until your policy is over.

Answer 2

If you are a student, and one or both of your parents work and have benefits, you can get on their plan...at least until a certain age, typically 24. If that's not an option for you, your school probably has a low-cost health plan available for students.

If you are working full-time and your employer offers benefits, get your health insurance from that source. You're not likely to find anything cheaper, even if you have to pay part of the premium yourself.

If you need to purchase individual coverage, at 21, and assuming that you can qualify medically, you should be able to get a very competitive premium from any of the "majors": Blue Cross, Blue Shield, HealthNet, Nationwide, to name a few.

Rather than get random quotes here, I suggest that you ask around to find out who the most reputable and competent health insurance agents are in your city, town, or general area. You won't find a better "quote" between health agents or agencies. What will determine good value will be designing the right coverage for you - your particular situation and budget. So, you want a good agent to help you, one that is an independent broker who can represent several good carriers, including the "majors" mentioned above. I'd look for someone that has specialized in health insurance and has been in business for at least 5 years.

Good luck.

Answer 3

I recommend that you try this website where onel can get rates from the best companies: http://COVERAGEFINDER.NET/index.html?src=2YAxzmwrAL68

RE :Medical insurance?
I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.
Update: i am self employed.
Follow 10 answers

Answer 4

You can visit my website at http://www.hsasale.com/index.php?pr=Free_HSA_Quote and fill out the form for a free quote.

Since you are in good health, I think a High Deductible Health Plan would be a great option for you. You will have much lower premiums than with traditional insurance and you will be able to save for retirement at the same time with an accompanying HSA account. You can also call me at 888-245-0583 for a quote or I can answer any questions you have.

Answer 5

The best way to get medical insurance is through your employer. You're young and healthy but you may drive a car fast and have an accident so that's going to add to the cost. Medical insurance is expensive for adequate coverage. On the other hand you could just shop around for catastrophic coverage which would have a very high deductible but chances are you wouldn't use it.....unless you're driving your car fast and have a dibilitating accident. Good Luck!

Answer 6

First off, I am a Health Insurance agent right here in Ca. Quote for a Male 21, Orange Co.
Some ideas:
HSA (PPO) Plans, these are high deductible plans, Excellent for anyone Self Employed- lots of tax advantages, perfect for someone who needs a long term strategy to contain healthcare costs. Learn more at www.HSAInside.com
1. Health Net HSA 4000. ($39.00 per month)
2. Blue Shield of Ca HSA 4000. ($42.00 """)
3. Aetna HSA 3000 ($49.00"")
4. Blue Cross of Ca HSA 3500 ($53.00"")

PPO Plans- These are very popular and offer no deductible.
1. Health Net 50copay (no Ded) Gen. RX
$57.00
2. Blue Cross of Ca 40copay (no Ded) Gen RX
$74.00 (a Top Seller)
3. Blue Shield of Ca. 35copay (no Ded) RX
$78.00 (a Top Seller)

HMO Plans
1. Blue Cross of Ca. $25.copay
$144.00 per month
2. Health Net 40 copay
$197.00 ""
3. Blue Shield of Ca. $35 copay
$202.00 per month
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This will give you some ideas on premiums available, literally about 100 plans to pick from. To learn more visit my site at www.HealthCareman.com or feel free to call me directly at 1 800 459 0515. I would encourage everyone shopping healthcare to read as much as possible about plans, and about Medical Underwriting. Paul Zane has a few books out that are very good, remember lots of things to consider when purchasing healthcare.
1. Does the plan have any exclusions? ie. Maternity, Brand RX, Diagnostics at a Hospital
2. Max. out of pocket?
If I go into the Hospital today and it is within the network of providers what would the maximum out of my pocket in one year?
3. What are you needs?
Just between jobs, your needs are short term
Self Employed? Tax savings, long term strategy is needed
Employer does not offer a health plan? want comprehensive coverage
Lots to consider when purchasing a plan, remember a few important things:
a. Do not cancel current coverage until you have been approved in writing!
b. Please note: Individual and Family plans (not through an employer) are Medically Underwritten. This means that based on Medical conditions you may or may not be offered coverage, or you maybe rated higher because of medications ET.
c. Cobra is not medically underwritten
d. If you have been declined in Ca. you are qualified for Ca. Major Risk
e. If you have children under 19, in Ca. Healthy Families offers a plan for $20.00 per month for Middle income parents
Remember it is your health, so do the research I recommend purchasing a plan from a big reputable healthcare corporation. In todays environment lots of companies are offering "Fee Schedule" programs, these are terrible for the consumer, and are marketed by folks who want to make profit. Also please do not purchase a Medical Discount Card as a alternative to Health Insurance, these do not pay out anything.

Answer 7

This site can help you finding the best deal in your area: QUOTES-FOR-INSURANCE.NET

Answer 8

Compare quotes for free at - ASSURECOMPARE.INFO-

RE Medical insurance?

I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.

Answer 9

Get insurance quotes

Answer 10

You need to initiate the need for insurance. A posting here will get you nowhere. Look in the phone book or ask around for references.