I have looked for about 1 week and have been unable to find what I would consider "reasonable" rates or premiums.
Has health insurance premiums gone through the roof? You can answer this questions but I really need help with my first one.
Please note that I am looking for an actual plan and not a discount health card.
2007-01-16 02:01:50 · 7 answers · asked by ? 4 in Business & Finance ➔ Insurance
some cheap ones available online
2007-01-16 05:09:00 · answer #1 · answered by ewwwenglish4francecom 2 · 0⤊ 0⤋
OK, "reasonable" is in the eye of the beholder. If you're looking for CHEAP, but covers everything, then your best bet is to get it through an employer - as they usually pick up abotu 75% of the cost.
YES, health premiums have gone through the roof. If you're in GREAT shape, and under 40, and don't have any bad habits, expect to pay about $300 a month for health insurance. If you're NOT in great shape, and/or over 40, or already have health issues, expect to pay a lot more, up to triple that, and expect to not have any of the already existing health issues covered.
If you live a Christian lifestyle, you might want to look into Medi-Share (www.medi-share.org). It's NOT insurance, but a medical bill sharing plan.
2007-01-16 10:11:20 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
Health Insurance in the US is ABSURDLY expensive. It sucks. For a single person with no dependents, figure to pay $350 a month in premiums. You might find it for less, but that's rare. (I pay $410 a month for just me.)
Try calling a local independent insurance broker, they can often find a deal for you. The only thing is, insurances are hesistant to sell to an individual - they'd rather sell to a small business, so if you're self-employed, consider getting a Tax Id # to be able to get insurance as a small business. (Reason being - insurance companies are less likely to get screwed on premiums for a business than an individual.)
2007-01-16 11:35:54 · answer #3 · answered by zippythejessi 7 · 0⤊ 0⤋
I feel for you.
I worked for a company for over 20 years retired and they have increased our premiums so high you want to scream. And each year they lower the benefits.
And they are supposed to be paying a part of the cost yeah sure.
You work for them for your entire career and they promise you benefits and guys like George W. Busch lets United Airlines take the pensions and eliminate them from pilots that have worked 30 years and are about to retire. Imagine if that was your Father, retiring on what social security?
Depends where you live N.Y.S. has some plans that are available that are H,M.O.'s I wouldn't brag about them but
otherwise you may have to go on medicaid.\
Sorry I couldn't be of more help.
2007-01-16 10:19:45 · answer #4 · answered by Yahoouser 7 · 0⤊ 1⤋
First check with your state department of insurance or similar sort of title.
Find out which companies do business in your state.
If you are really young, you can get a high deductable $1,000 or higher for a very reasonable amount.
Not all insureres are in all states. If you say which state you are in, then someone can give you state specific help.
2007-01-16 10:45:42 · answer #5 · answered by WhatAmI? 7 · 0⤊ 0⤋
You might try Zander Insurance. I hear about them on the Dave Ramsey radio show.
2007-01-16 10:09:00 · answer #6 · answered by grantwiscour 4 · 0⤊ 0⤋
Check out http://hort.net/+1i5x it his information on health insurance plans and pros and cons.
2007-01-17 01:56:24 · answer #7 · answered by makaleke1 1 · 0⤊ 0⤋