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Ha Ha Charade You Are.................... | Does anyone know of any affordable health insurance? |
My husband and I pay $420.00 a month for both of us. His has a 250.00 deductible and mine is 1,500.00 deductible. We are both in our 40's with no health problems. |
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mkulda
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This totally depends on what state you live in.
Rates vary state by state.
While this may be a good rate in your state, it may not in others.
Your deductible is huge. His is fine.
At your age, this rate seems pretty good.
A typical family premium for two parents and two kids is close to $1000 a month. |
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jillolli
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depending on your state there are lower cost insurances. I live in NY and we have Healthy NY that offers a few plans starting at around $100 for a single. Call up your local Social service office and they should be able to give you that info. |
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President, www.HSAInside.com
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My first question would be, are you self employed? I will presume you are, start funding your healthcare by opening a HSA Eligible plan. First you and your husband would increase your deductible and open a HSA at a financial instituion of your choice (ie. wells fargo, credit unions ET). If you are in Ca. call me up www.HSAInside.com if you are outside Ca. find a HSA expert who can help you.
Here is the idea:
Currently you are paying
$5040.00 (Annual)
$1848.00 (Annual)*
Savings $3192.00 (Annual)
You said that you and husband are healthy, which means that every year you pay to the health insurance company they are making enormous profits. In order to take away most of tha profit, means that you must take away the "pre-payment" for care you are not using. You are probably wondering, how do I pay for the high deductible (I quoted a $7000.00 Deductible in my example above) well this is where the Health Savings Account comes in. You set this account up, and earn interest federal tax exempt!!.. money you put in is fed. tax exempt!! and when you pull out any money to pay for "medical expenses" they are also "Tax Exempt". This is a long term solution, and I would am encouraging my clients to start Jan. 01, 2007 and fully fund the HSA account. If you live a healthy lifestyle, are self employed, and are paying more than $100. a month (single), or paying more than $200 a month (Couple) or paying more than $250. a month (Family) than please read about HSA plans, or contact me for a free information packet. Take control of your healthcare costs today, this is the plan the big Health Insurance Companies are not advertising, ask yourself why not..
*Couple Rate 40yr. & 40yr. living in Los Angeles, CA. HSA, Eligible Plan- Visit
www.HSAInside.com |
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John H
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You can find cheap health insurance at http://www.surfquotes.com/healthinsurance.html You should be able to find payments that are lower unless you have pre-existing conditions. |
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nurse ratchet
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First - love the name, love Pink Floyd. Now to your question, and I am wondering why you and your husband have separate policies? The premium you are paying is not that high, but you should consider getting a qualified high deductible health plan (HDHP) that covers both of you. The deductible is a combined deductible, not a per person deductible. And you can open an HSA, health savings account, to offset any deductible and other expenses. The money you put into the HSA comes right off your taxes, like an IRA. Find a good independent agent in your area that can help you. That is what I suggest. |
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Terry G
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Not sure why your insurance is so expensive, however do some research. There are so many plans and factors involved, except to find comparable rates from other companies. |
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Shea32
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Affordable health benefits plan http://mybenefitsplus.com/40436527 it's only $59.95 per month for an entire household. It covers, dental,vision,RX,labs, x-rays, hospital stays, etc. no age limits, no deductibles, no waiting period to use your benefits. |
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Dolly
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This plan is affordable, try
"http://www.dpbolvw.net/email-1961891-... |
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DebtWillEatYouAlive
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Depending on coverage those are very reasonable premiums. You should consider increasing your deductable. |
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