Where should i look for health insurance plans?

Question

i work freelance as a designer from home and i'm currently covered by my husband's health insurance plan through his job. we would like to have him quit his job and help me so that we can expand the business, but one big expense to think about is health insurance. where would i begin to start looking for plans for individuals?

Answer 1

Call a local agent. The policies available depend on where you live. An experienced agent can narrow down your options to one that best fits your needs, and that you can afford in just a few minutes.  Avoid the online shopping, there is just simply too much information, and too many scams to watch out for. Also, be open minded about an HSA type of policy. For more info about HSA's see link below.

Don

http://mtnhealthinsurance.com

Answer 2

~~If you live in CA, WA, OR, NV. or HI you can get health, and dental insurance through Costco and it's the best. Great rates and very good insurance. The girl we used to set ours up is Lisa and her number is 1-800-611-9057  ext 123 then hit the # key. She was so awesome at going over everything and explaining it all in very simple terms. We can't be happier. If you don't live in one of those states, I would get a local agent who carries different brands, or you can go through www.ehealthinsurance.com  Best of luck!~~

Answer 3

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which isn't insurance at all.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand if you and your husband are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

Check with the agent that writes your home, auto or business insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Use the Internet to educate yourself but use an agent to purchase the coverage.

Answer 4

ehealthinsurance.com is a good site

Answer 5

chek out your options in this site. they have plans great for individuals and families. you can choose for up to 45 different medical, health, dental, wellness and lifestyle benefits. everyone qualifies; fixed-pricing regardless of age or health condition; includes Hospitalization, Doctor visits, Emergency/Accident Medical benefits, Dental, and more; access to Nationwide PPO Network (500,000+ providers, doctors, hospitals, etc.; combined Services-insured and non-insured benefits; Registered and licensed in all 50 states.

Answer 6

First of all insurance is a regulated business so you DON'T save money by going to a big online insurer and you don't save money by going through a wholesale food club.

Just find an insurance broker to help you.  There is lots of useful information on my site and in my blog.

http://www.InsurancePickle.com  

Answer 7

I'd start the process online.through one of the sites that offers free quotes, but also requires medical information before doing so.  Sites like insureme.com or insurance-rates-online.com will help you find companies offering those types of quotes.

Don't be surprised if they ask for extensive medical history - it's the only way the insurance companies can determine an accurate premium amount.  

It will be more expensive buying individual insurance than going through your husband's group plan, but you can lower your premiums by increasing your deductible, having a higher co-pay, and eliminating any optional coverage you don't think you'll need.

You can also see if you already belong to any organizations which might offer a type of group health insurance, like professional organizations, alumni groups, and service clubs.