What health insurance plan should I choose?

Question

Hi I'm a 27 year old female, like 30 lbs overweight, otherwise healthy. Looking for health insurance. Doctor from Mexico, but living now in CA, still don't have medical license here. I can treat myself during common health problems, mainly looking for coverage during surgery or something serious.

Got different quotes:

KAISER monthly 25 copayment (206dlls), 50 copayment (162 dlls), 500 deductible (201dlls), 1000 deductible (187dlls), 1500 deductible (107 dlls)

I also dont now if Kaiser is good or Anthem (Blue cross) is better

Answer 1

We have always had Blue Cross Blue Shield, and have been very satisfied with it, wouldn't have any other.

Answer 2

Both are good companies.

If you are mainly looking for catastrophic coverage look into HSA qualified plans. By what you said you don't need a plan with doctor visit copays since you can treat yourself.

Visit a local agent that works with all the major companies in your area. The agent can explain the HSA plans and compare the to the "traditional" plans. There is no extra charge using an agent.

Answer 3

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