Does anyone know an affordable health insurance company?

Question

I am self employed and need affordable health care for myself and my child.

Answer 1

It depends on what you consider affordable. I have clients who think their $1000 per month policy is affordable because they have health conditions and others who complain that they have to pay $100.

Most major health insurance companies are like automobile manufacturers. They both offer a variety of product, from the basic low end model all the way up to the model that's fully loaded with all the options. With health insurance you get what you pay for so if you look for the lowest premium you'll get the basic plan, which may or may not have the coverage you want.

Stay away from the companies that advertise "group" plans for the self employed. This is just a marketing gimmick and their plans are hospital certificates, not major medical.

If you have low income you may qualify for Medicaid. Search out your states' Medicaid website for more information. Otherwise, you should visit a local agent that works with all the major companies. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you don't get with any plan. There is no extra charge using an agent.

Answer 2

~~It depends on what state you live in. If you live in WA, CA, HI, NV, or OR, you can get it through Costco. It's really reasonable and very good insurance. If not try getting quotes from www.ehealthinsurance.com  or contact a local agent who carries different brands.~~

Answer 3

Depending on your reported income, you might check to see if your state has a subsidized health insurance program - I believe all of the states have them, although the qualifications/income levels differ.

The link below provides phone numbers for contacts in all states.

Answer 4

don't get sick dot com

Answer 5

AmeriPlan's discount plans will cover your entire household (up to 20 people) for only $29.95/mo with no contracts and no waiting periods.  You can go to http://www.AffordableTotalHealthcare.com for more information.  Good luck!

Answer 6

Why do 12 year olds try to answer these questions?

It depends on where you live and how old you are.  One company may be the 'best' fit for one person, but another company may work for someone else.  Get a broker (and not eHealth because you won't get the service - though you can use it to make sure your broker is showing you everything).

Try the tool on my site (works in most states)

http://www.InsurancePickle.com

A broker is best...