Affordable health insurance?

how does health insurance work? what are we really paying monthly? what are deductibles and premiums?

my boyfriend needs health insurance
he is 22 and a smoker and lives in nj
he graduated from college already so he cannot get the school insurance and his job does not offer him insurance
where can i find affordable heatlh insurance for him
Additional Details
unfortunately he is not in the military :(

also, is dental insurance seperate from health insurnace...if yes he needs that too, so how do i find an affordable plan for both?

Health insurance has it's own unique benefits and pitfalls. To use the words "affordable" and "insurance" in the same sentence, along with the fact that he isn't able to get group coverage through his employer and he is a smoker... that is nearly impossible to match entirely.

A brief overview of insurance and what your paying etc... You pay your monthly premiums, or fees, in order to have access to your individual insurance policy, which will vary depending on what sort of coverage you end up getting or need, how healthly you are and have been in the past, your age, weight, risks, etc. It will also be determined by other factors regarding the deductibles that you ask about.

Essentially the higher your deductible, which is the amount of money you will have to pay out of pocket before your insurance will actually come into play and start to cover your medical expenses, but the higher your deductible, the lower your monthly fees.

For example, lets say your boyfriend is relatively healthy, but doesn't want to risk not having insurance in case something terrible happened and he had to be rushed to the hospital, of which racking up huge hospital bill that he would be responsible for. In that situation he could go for a high deductible, catastrophic coverage type of insurance policy.

He will be paying out of pocket for the entire year for any doctors appointments or services he needs to have done, but regardless, most people don't even meet a $5000 yearly deductible and end up paying more each month and still out of pocket anyhow.

If in fact he was to use a higher deductible type plan to reduce his monthly fee, he could then couple that with a good discount health care benefits plan, which would then in return help him save on all of his out of pocket expenses that may arise throughout the year and still give him the catastrophic coverage should something major happen. There are lots of different discount type plans available, make sure it's one that has some proven stability. You can check with the National Assoc. of Dental plans, the Consumer Health Alliance as well as the Chamber of Commerce to verify if a company is legit and grounded.

I personally use Ameriplan. You can take a look at the plans offered, as well as search for providers in your area and check the fee schedules to get an idea of how much different services would cost out of pocket and what sort of savings you could expect to receive as well. http://www.everyonebenefits.com/40398854

I have used the plans for almost 2 years now and have saved thousands of dollars in that time. I love it!

Let me know if you have any questions and I will do my best to help out if I can.

Hopefully this will help you out some! Good Luck!

I suggest you Find a local Insurance broker

Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.

A Broker will help you find a balance between cost and benefits that fit your needs. For most healthy 22 year olds you can find very affordable coverage. Be careful to make sure you are getting health insurance and not a discount plan like Ameriplan.

there are many health insurance and nominal charges monthly and that will provide complete health freedom

source:http://www.insuranceplan4u.com

Best insurance is provided by the United States Military ... :)

I've never found a dental plan that paid out more than it cost. For years, I had no dental coverage - just paid out of pocket.

Deductibles vary, and the price depends on the deductible. Likely, he can get a low deductible plan, assuming he's healthy, for about $200 a month. If he wants a high deductible, it's cheaper.

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