Re: health insurance
I have major major with a very high deductible($2500).
Many companies now offer plans suited to the self-employed. I went thru a gruelling application with Humana and the rate was vey good only $1100 a year but they attached 2 riders to the policy for pre-existing condtions I didnt much like so I stayed w/BCBSFL.
I have had Blue Cross/ Blue Shield of Florida for the last 6 years my policy intially had only a $500 deductible and was around $900 a year in 1999. As healthcare costs have risen and I have gotten older the premiums have gotten very expensive..to counter the increase in premiums for
the same plan I switched over to a higher deductible on my policy ie $2500/$5000-this is pretty much major medical. My current policy was upped again by 15% thats why I was shopping around again. I now pay $1300 for $2500 deductible.
There are also policies that will cover hospitalization only which are an option if you want the bare minimum.
Florida is cheap thu the same policy in NJ or CA. may cost 50%-100% more.
You need to go to your State web page and get a list of health insurers and call them up for prices. Also InsWeb and other sites online do a pretty good job of giving you an overview of whats available in your area..usually not complete thu.
As for group rates I'm an alumni of NYU and I looked at their group rates for alumni a couple years ago-it was no cheaper than what I already had.
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