What is a insurance provider that has zero deductiable and a cheap monthly rate?

Question

i have no existing medical problems! i just need insurance! i was covered by local i nsurance but now i make to much!

thank you

Answer 1

If you have no medical problems and don't use the doctor much you should think about buying health insurance to protect you from catastrophic medical bills, not from paying for doctors visits. If you compare a no deductible plan to a high deductible plan the savings is usually pretty good even if you factor in meeting the deductible.

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 I have access to 10 major carriers and 60 different plans just for one state.

You can try doing your own research on the internet, but if you give a good broker 5 minuets 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.

Good Luck

Answer 2

There is no such thing. With health insurance you get what you pay for. When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent.

Answer 3

Good luck finding one. Tell me if you do.