How much can my wife and I expect to be paying for private health insurance in the state of Nebraska? We're in

Question

our mid 20's, in good health non-smokers.

Answer 1

It’s hard to answer a question like that online since the final cost of a health insurance plan is determined by your exact age, where you live, and your medical history.  But I used my company’s website, eHealthInsurance.com, to get some quotes for a couple, both 25-years-old, living Lincoln, Nebraska.  We currently list plans from leading companies that range from as low as $50 per month all the way up to several hundred dollars per month.  Since I don’t know your exact personal details (and since insurance companies can change their rates at any time), those quotes are just estimates, but it gives you an idea of the range of options in your state.  You can visit our site for yourself and take a look.  I know you said that you are both healthy, but keep in mind that in most states it is possible to be declined for coverage if you have a pre-existing medical condition.

The real question, however, is what kind of coverage are you looking for?  What do you want from a health insurance plan?  If you are willing to pay higher copayments or deductibles before your coverage really kicks in, then you can find some options with quite low monthly premiums.  With a plan like that, you may never actually meet your deductible in a regular, healthy year – which means that you could end up paying out of pocket for most things.  But in the case of a serious illness or hospitalization, this kind of plan could still provide you with meaningful protection.  However, if you are looking for a health plan that covers things like prescription drugs and regular checkups with just a minimal copayment, then you’ll probably have to pay more for your monthly premium.

I would suggest you take a look at your options online, compare plan rates and benefits, and see what matches your preferences and needs.  Through our website you can also apply for coverage online.  You’ll also want to talk with a licensed agent to make sure you understand your options and find the right plan.  Working through an agent does not increase your costs in any way.  You can talk with a local agent in your area or talk to one of our licensed agents at 800-977-8860.  

Good luck!

Amir M, licensed agent

Answer 2

With all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

For example a typical broker can have access to 10 major carriers and 60 different plans just for one state.

Be careful of people recommending ways to save on your

You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best.

I suggest using yellowpages.com to search for health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

With that said being in good health you should consider a high deductible plan with a health savings account. It can save you quite a bit on premiums and create a tax savings for the money you do spend on health care.

Be careful of people talking about "alternatives to health insurance" they are usually trying to sell discount plans. These plans can be a good thing as long as you fully understand what you are getting ( a discount plan) and what you are not getting (health insurance).

Answer 3

you can get quotes online!  

just look for blue cross or someone you know and it will give you directions.