Where can I find affordable health insurance?

Question

My husband and I are both self-employed and need to find affordable health insurance. Neither of us has any pre-existing conditions, and are in good health, but we'll be trying for a baby w/in the year. I have no idea where to even start looking!!!

Answer 1

It is always best to speak with a knowledgeable agent offering health insurance in your home state.

Maternity can be a tricky rider and you need to plan on having the insurance in place for usually at least a year.  Even longer on other policies.

If you would like to view plans from an independent insurance agency, feel free to visit us here:

http://www.ohioinsureplan.com/index.php/...

Answer 2

OK, private health insurance with maternity coverage, has a waiting period before conception - so you have to have it 9 months before you conceive.  And that maternity rider is EXPENSIVE - so that effectively, you're "prepaying" for the birth, not insuring it.  That's because only the people that want to use it, buy it!

You'll find your coverage through a local, independent agent.  If you guys are both 30 and healthy, your plan - without maternity - should cost you EACH about $300 a month, for a low deductible plan.  

With health insurance, you really do get what you pay for.  If you find someone on the internet offering "great" coverage at a lower rate than normal, it's because they are SCAMMING you.  So don't buy over the internet, buy from a local agent.  It won't cost you more.

If you can't afford the $900 a month for the low deductible plan with maternity coverage, your local agent can ALSO show you how to balance a high deductible plan with an HSA.

So start with the agent that writes your business insurance, and if he doesn't do health insurance, ask him for a referral to a local guy that does.

Answer 3

Word of caution-individual policies have waiting periods of 12-18 months for pregnancy, so you will have to wait on trying for that baby. Contact an independant agent in your area and let him do the shopping for you!

Answer 4

Rather than requesting a quote online, as you will get a whole lot of response and calls from different agents. I suggest speaking with an agent in your area. They will be able to sit down and explain your options with you and be able to help you decide what is available and which would work best for you.

I also suggest looking into another alternative either just for this time now, while you are looking for insurance, or as something to keep and use as an addition to your insurance policy when you get it. It's a discount health plan, of which I have been a member for almost 2 years now and love it.

Take a look at http://www.mybenefitsplus.com/40398854

Hopefully this will help you find something that works well for you! And good luck with starting your family.