Buying Health Insurance

[jingo 38]

Hi all,

I'm just wondering what healthcare solutions there are to a young adult who will have to buy their own insurance.

My finace will be on his parents plan for at least another couple of years, I won't be a student anymore, and it'll probably be a while before I get a job that provides a plan.

What is a cheap option or which one would make the best for my situation?

Thanks!

[Saddle Bronc 124]

You can try Kaiser Permanente, or InsWeb.

[jimmysmitts 9]

Nothing is going to be cheap, personally I am really disappointed in what Obama has done with health care. A good health care plan in my state is $500-$800 a month for a single person.

If you are young I would not buy it and use a nurse practitioner which will be able $50 dollars a visit with out insurance.

Just hope you don't have to visit an emergency room.

[JoannaV 174]

Anthem offer individual health insurance, cheapest plan gave me a quote of $78 a month. May be more if you have any history of illness etc etc. But if you just want emergency coverage and aren't concerned about being covered for sick visits etc, then you should be able to find something.

It varies from state to state.

If you plan on needing maternity coverage then it will be more expensive.

[jingo 38]

Cheapest sounds fine for me. What does that cover exactly? I don't have a history of illness.

[JoannaV 174]

I'm not really sure, it's not something I've researched fully because those specific plans aren't options for me right now. Plus they seem to like not letting you see the complete plan information until after you've bought it :help:The cheapest plans probably have high deductibles (ie you would have to pay quite a bit before the insurance pays anything) but it will give you coverage for if some catastrophe happens so that you don't end up in a life-destroying amount of debt.

[Nina~ 431]

Are you going to be enrolling in college or university classes here? If yes, then talk to the health clinic on your campus because they will have some discounted group insurance plans for students. I don't advise buying insurance through blue cross or kaiser privately because they usually don't cover well-woman check ups, birth control, or pregnancies.

[jingo 38]

Definitely not interested in pregnancy health care. I could afford birth control too so I'm not worried about being covered for that. Not going to be studying either so a student plan is not an option

We'll be living in California, not sure if anyone has experience with buying insurance there?

Edited July 29, 2011 by jingo