Health Insurance

Chris Daddy Cool · #1 10-20-2005, 03:57 AM

Sorry if this has been mentioned before.

I'm 22 years old and I have always been covered by my father's health insurance policy. Now that I am out of school and over 21, my coverage will end in a couple of months.

I am unemployed with no job history whatsover, so I need to get some type of health insurance. Anybody know of how I can get a good plan for relatively cheap?

ChipWrecked · #2 10-20-2005, 04:52 AM

When I was self employed, Kaiser Permanente was the only plan I could afford, that would take a non-group member.

siccjay · #3 10-20-2005, 05:33 AM

I also would like to know this.

ethan · #4 10-20-2005, 06:24 AM

[ QUOTE ]
I also would like to know this.

[/ QUOTE ]

Likewise.

I've managed to find health insurance, but not for a reasonable price. This is particularly relevant for me since I think I'm about to get a job offer that I can take either as a consultant (high hourly $) or as a full time employee (lower hourly $, health+dental, 401K etc).

From what I can tell, if I want reasonable coverage for health+dental it's going to cost me $200+/month, despite my being in generally good health. If I'm willing to accept a few grand a year in deductible, that premium goes way down. I think blue cross/blue shield did a good job in figuring out what plan of their would be best for me, it just still wasn't that attractive.

At the moment, I'm spending a week or two hoping no one runs over me because if they do i'm even more [censored] then I would be normally.

MarkL444 · #5 10-20-2005, 06:29 AM

ethan-

are you doing this research online or going places?

cadillac1234 · #6 10-20-2005, 09:00 AM

If you live in the West Kaiser will probably be the best and cheapest choice.

At least get something with a high-deductible for a catastrophic event. Blue Cross/Blue Shield offers some high deductible plans.

Hell, a 3 day stay in the hospital is going to run about $15-$75K so pretty much anything requiring a hospital stay is a catastrophic event.

Mat Sklansky · #7 10-20-2005, 10:54 AM

http://www.assuranthealth.com/plans/indfamily.shtml

LotsOfOuts69 · #8 10-20-2005, 04:27 PM

[ QUOTE ]
http://www.assuranthealth.com/plans/indfamily.shtml

[/ QUOTE ]

Not offered in NY apparently

arod15 · #9 10-20-2005, 04:28 PM

You can get Cobra off your parents..... I know of no other cheap and good plans...

MaxPower · #10 10-20-2005, 04:40 PM

[ QUOTE ]
[ QUOTE ]
I also would like to know this.

[/ QUOTE ]

Likewise.

I've managed to find health insurance, but not for a reasonable price. This is particularly relevant for me since I think I'm about to get a job offer that I can take either as a consultant (high hourly $) or as a full time employee (lower hourly $, health+dental, 401K etc).

From what I can tell, if I want reasonable coverage for health+dental it's going to cost me $200+/month, despite my being in generally good health. If I'm willing to accept a few grand a year in deductible, that premium goes way down. I think blue cross/blue shield did a good job in figuring out what plan of their would be best for me, it just still wasn't that attractive.

At the moment, I'm spending a week or two hoping no one runs over me because if they do i'm even more [censored] then I would be normally.

[/ QUOTE ]

Don't think you are going to save that much in costs by taking a full time job. Next year I am going to have $110 dollars a month taken out of my paycheck for health insurance, the company pays the rest.

I'd rather get paid more and pay the whole insurance premium myself if it were 200+ per month.

As time goes by, I guarantee the percentage the company pays for is going to decrease even furthur.