the best self employed health insurance rates?

[Journeyman]

The guy informed me it all depends on the area we live in as well....as to how much the rate are...

 

[docdekay]

Hi Doc how are you? I don't blame you at those rates.

Doing well. Thanks for asking.

I heard these health insurance experts on NPR about a month ago.

I can't vouch for anything, but according to them

http://www.ahirc.org/

is an excellent place to start. I would start there and see if you can find anything.

 

[Labeeb]

Doesn't sound like you have any "pre-existing" conditions. I do and had to take my former employer up on COBRA. I'm not married, so I'm just covering myself. With vision and dental and Independent BCBS coverage comes out to $380 and change.

I can second the Aetna coverage if no pre-existing conditions. Only problem is that they only write in a handful of states. VERY good coverage though.

 

[Dante]

I have never looked into one of these , pretty complicated.

http://www.ushealthcareplans.com/planbenefits.htm

I just called the one above...the rates are around 100-140 a month and would cover anything major over $2,500 up to 2 million

I just don't want to be wiped out by something serious.

A plan like this is what I would prefer.

Dante not sure what you mean by $500 a month, how would average people who work for themselves be able to afford that?

exactly man its UNAFFORDABLE....a policy like you would get from an employer where you pay only 10% or a small co pay will be 500-700 a MONTH to pay on your own..thats just how it is my man if you want to just cover big illnesses then that 140 seems like a good idea but many small things could happen in a year that would fall under the 2500 and you would have to fork it over

 

[Dante]

totally wrong ..

ok then world...show me a FULL plan with a GREAT company like blue cross or someone of that statue that covers everything and you have very little out of pocket ...for a small monthly fee if your not employed and I will stand corrected

thanks

 

[Dante]

Jman-

I am paying about $1200 a month for my wife and I through Aetna in a self-employed plan. Its pretty much full coverage and you can pick most of your doctors. Its alot but I need it for my wife currently.

sounds about right....I checked prices a few months ago....anywhere from 500-900$ a month for me and family for full coverage

 

[michael777]

Wow this seems more complicated than I realized it would be, I called this one here...this one was around 115 a month, anything over 2500 was covered.

https://www.goldenrulehealth.com/customer/CustReviewComparePlans.aspx?SID=2915ba43-98c1-49db-93ad-aac7436bc164

i have had golden rule for years,paying about 100 a month for it right now,happy with them

 

[Dante]

ok here is an example for a $10000 deductible you can get blue cross for a family ( mother and father and 1 child


<TABLE cellSpacing=0 cellPadding=0 width="100%" align=right border=0><TBODY><TR><TD align=middle width="17%" bgColor=#edeef1 height=24>Plan Type
</TD><TD class=border_left align=middle width="17%" bgColor=#edeef1 height=24>Deductible
</TD><TD class=border_left align=middle width="17%" bgColor=#edeef1 height=24>Coinsurance
</TD><TD class=border_left align=middle width="25%" bgColor=#edeef1 height=24>Office Visit
</TD><TD class=border_left align=middle width="24%" bgColor=#edeef1 height=24>Monthly Premium
</TD></TR><TR><TD align=middle width="17%" height=30>PPO
</TD><TD class=border_left align=middle width="17%" height=30>$10,000
</TD><TD class=border_left align=middle width="17%">0%
</TD><TD class=border_left align=middle width="25%">You pay nothing after deductible
</TD><TD class=border_left align=middle width="24%">$218.61




</TD></TR></TBODY></TABLE>









If you want a smaller deductible like 2200$ you can pay the 700$ a month

<TABLE cellSpacing=0 cellPadding=0 width="100%" align=right border=0><TBODY><TR><TD align=middle width="17%" bgColor=#edeef1 height=24>Plan Type
</TD><TD class=border_left align=middle width="17%" bgColor=#edeef1 height=24>Deductible
</TD><TD class=border_left align=middle width="17%" bgColor=#edeef1 height=24>Coinsurance
</TD><TD class=border_left align=middle width="25%" bgColor=#edeef1 height=24>Office Visit
</TD><TD class=border_left align=middle width="24%" bgColor=#edeef1 height=24>Monthly Premium
</TD></TR><TR><TD align=middle width="17%" height=30>PPO
</TD><TD class=border_left align=middle width="17%" height=30>$2,200
</TD><TD class=border_left align=middle width="17%">20%
</TD><TD class=border_left align=middle width="25%">You pay 20% after deductible
</TD><TD class=border_left align=middle width="24%">$697.16
</TD></TR></TBODY></TABLE>

 

[Journeyman]

i have had golden rule for years,paying about 100 a month for it right now,happy with them

I thought it sounded pretty good, it's just not easy to know exactly what you're getting into until you need it I guess.

They told me if I did use it , I would get about 45% off of any regular visits or minor health care bills...does that sound about right?

 

[Journeyman]

I need to marry someone who has insurance thru work.

 

[earl]

with these insurance rates im tempted to let the gov. pay for it all like the indigent and uneducated do.

 

[TTinCO]

I need to marry someone who has insurance thru work.

You certainly wouldn't be the first to go that route.