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I need help! | What is a good and reasonably priced health insurance? |
Additional Details
Sorry! I didn't know more details were needed! We live in Bergan County in New Jersey, USA.
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samy
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I found interesting information about your answer, the best prices here. Goodhttp://all-insurance-online.blogspot.com/2007/08/health-insurance.html Good luck! |
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hightechchic
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You seriously need to list a location. Options and prices vary wildly by location. No one can answer your question with any degree of acuracy without it. |
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Chloe
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There’s a new company offering low cost individual health plans in Texas for young, reasonably healthy people. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy 25-year-old male (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - Even if you’re not in Texas, my understanding is that they’ll be offering plans in additional states soon. I hope you find what you need! |
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mbrcatz
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If you're 25 and healthy, "reasonable" is $250 a month for one person. I've always liked the Blue Cross/Blue Shield plans. |
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Bradley S
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The easiest thing to do is to log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Your info will be sent to a health insurance broker in your area who will contact you. A broker works with several health insurance companies and can find the best deal for you. Brokers need referrals and a good reputation to stay in business, so they only work with reputable companies. There is no charge for the service and no obligation to buy.
If you are reasonably healthy, ask about a High Deductible Health Plan (HDHP). As the name suggests, it has high deductible amounts, so it costs less than traditional health insurance. Under federal law, the minimum deductible in a HDHP plan is $1,100 for an individual and $2,200 for a family. The maximum deductibles are $5,500 for an individual and $11,000 a family.
The main advantage of an HDHP is that you can shelter up to $2,850 for an individual or $5,650 for a family per year from state and federal taxes in a Health Savings Account (HSA). Depending on your tax bracket and where you live, that could save you as much as $2,539 in taxes per year, assuming a combined tax rate of 424.02%—6.37% in state income tax (New Jersey), 28% in federal income tax, and 7.65% in Federal Insurance Contributions Act (FICA) tax. The contributions you make to an HSA are yours to keep, rolling over from year to year. The funds remain untaxed as long as you use them to pay medical expenses or withdraw them after age 65. The funds earn interest on a tax-deferred basis. Think of it as an IRA that you can use to pay out-of-pocket medical expenses. |
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