What is best insurence plan(34y/9\4 family) for me and why? if my earning is 5000/- pm?

Question

i have a smart kid rp icici plan. my age 34, wife 30, doughter 4y.

Answer 1

It is really impossible to answer that without knowing what state you are in (plans differ), and what your expectations are.

Since you have a fairly young family, you should be able to find an affordable family plan if nobody has a pre-existing health condition though.

But your expectations and ability to save come into play too. If you can fund an HSA, you can get lower premiums and tax advantages with an HSA compatible plan.

If you are not a great saver (and many Americans are not), then you would probably like a PPO with doctor copays and a lower deductible more.

If you use an online quote form, you can fill your information back one time, and then either find qualified agents in your local area OR get competitive health plans and quotes delivered to you.