5 ms·
First, I'm about your age, and I'm living in California, so that's where these numbers come from. If you are /really/ healthy, I mean, no medication, nothing b
by lsc 16y ago
First, I'm about your age, and I'm living in California, so that's where these numbers come from.
If you are /really/ healthy, I mean, no medication, nothing but good checkups in the last three years, you can get really good insurance for well under $500 a month. A high deductible plan where you pay the first three grand a year of expenses might be a better deal at $150-$160, though.
https://www.kaiserpermanente.org/ https://www.kaiserpermanente.org/ is pretty good and has online quotes; that's where I got these quotes.
Now, if you have had anything wrong with you in the last three years, you simply can't buy health insurance without a job, as far as I can tell, for any amount of money. This is the situation I'm currently in, and I'm going to end up getting a job for a few months. The thing is, if you have a job with health insurance, you can continue that health insurance for 18 months after you leave the job (and another 18 months for a total of 3 years, if you are in California.) you just have to pay the premiums. Uh, last time I did that my premiums were $518/month for some /really nice/ insurance that covered everything.
My CORBA just ran out a few months ago. (note, you have to do some legwork to get CAL-Cobra.. you have 60 or 90 days from when your first 18 months is up to do so.)
what's wrong with me? a history of ADD and a (successfully treated) detached retina a few years back... not exactly cancer.
Oh, if you really are perfectly healthy, private insurance is often cheaper than CORBA continuation of group coverage. The problem is that if anything really expensive happens to you, a team of professionals will go over your original insurance application with a fine-toothed comb in an attempt to get you disqualified. Group insurance, on the other hand, you get no matter how sick you were going in, and they can't disqualify you because you made a mistake on your application. (which is why it costs more)
My own personal plan is to get a regular job with health insurance once every three years. At least until 2014 when the new health insurance regulations go into production.