The Commerce Journal,Business and Local Businesses
*The Commerce Journal>>>Insurance

What is the best health insurance policy I could afford?


I'm 23 and I only make like $17,000/yr.

If you are healthy then you will want to purchase an individual health insurance policy from a big trusted company like United Healthcare, Aetna, Blue Cross, Humana, etc. Compare quotes from at least 3 different companies to find the best rate.

Make sure that the policy has comprehensive major medical coverage in case something major happens to you (cancer, surgery, etc.).

Choose a plan with a higher deductible to lower your monthly premium cost.

It is quite easy in most states to find a good plan for under $100/month at your age as long as your are relatively healthy.

Here is some more information on how to find inexpensive health insurance coverage:

http://www.healthquote360.com/Cheap_Heal...

That question can't be answered here. you need to Find an Broker to assist you. I suggest you use yellowpages.com to search for health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Use the Internet to educate yourself but use an agent to purchase the coverage.

Hi, Have you tried a website called http://usa.insurancemall.in - this website gives the best health insurance covers available.

Perhaps You ought to google it first ,nevertheless if you prefer some direct resource ,here might be your choosing.
You will find much more useful suggetions and tips for your question.Good Luck for you.http://health-insurance.expert-tip.info/...

Tags
  Renting & Real Estate   Personal Finance   Investing   Insurance   Credit   Corporations   Other - Careers & Employment
Related information
  • I know I need insurance, but I do need to be bonded as well?

    I think you already know that you will need General Liability insurance. Professional liability insurance? maybe. Perhaps worker's compensation insurance depending upon the workers compensatio...

  • What exactly is full coverage insurance?

    There is really no such thing as 'full coverage". No insurance company should advertise full coverage. Agents may use it as a term to reference physical damage coverage along with the sta...

  • What does collision mean?

    A dictionary definition of a collision is normally when 2 or more objects run into each other. So if two cars crash into each other or if a car runs into a tree it is considered a collision. Col...

  • Once a person has been approved for ssa how long does it take to get your first check and do you get back pay?

    Yes, you do receive back 'pay'. It will take months. You have finished the most difficult part of the process: Approval. Congrats! Now, sit back, kick back, and sip some l...

  • The Mutual Assurance and Life Company is offering an insurance policy under either of the following two terms:

    Assuming the alternative rate of return is 8%, the 12 payments of 1200, once per year, beginning now, are equal in value to one payment now of $9,766.76. The formula in Microsoft Excel is =PV(8%,1...

  • When Cobra Benefits end, and you have a pre-existing condition, Traditional carriers will not Insure, Hippa?

    HIPAA is the Health Insurance Portability and Accountability Act. HIPAA enacted reforms in both the group and individual health insurance markets, in part to help many individuals maintain insuranc...

  • What's the fine for a Tennesse resident not having auto insurance in Kentucky?

    I'm not sure about Tennesse but i would imagine "String you up to the highest tree" Here in Pennsylvania you get 3 points on your driveing record and a hefty fine.

    ...
  • Is it true that insurance may not cover you if you have a rottweiler dog?

    It doesn't lower your property value. But I haven't seen ANY insurance companies willing to give coverage for a rottweiler. If you lie and say you don't have one, that's ...

  •  

    Commerce Categories--Copyright/IP Policy--Contact Webmaster