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You're young. Health insurance is going to be relatively cheap. I just signed up for a plan for my wife and I (26/25 respectively), and it's going to cost us
by jdg 18y ago
You're young. Health insurance is going to be relatively cheap.
I just signed up for a plan for my wife and I (26/25 respectively), and it's going to cost us around $250/mo with a reasonable deductible, office copay's and prescription coverage. Dental is an extra $50/mo.
The trick(?) for me was to contact the largest insurance company here in my home state (not California) and ask to speak to their small business department. We built a custom plan rather than using one of their "off-the-shelf" plans that most people would pick. This let me play with the numbers based on our medical history and what we felt we could cover as far as our deductible goes.
Really though, call a few of the largest companies and just start walking through the process.
One tip -- do it before your current insurance expires. At least here, if you are currently covered then there is no way they can decline you(?). The monthly cost may be unreasonable, but they have to at least offer you coverage.
- silencio 18y agoIt's a good idea to start looking into it now before current insurance expires, but I'm not so sure about the existing coverage mattering much. If there are no preexisting conditions, great, but if you do have at least one, I'm pretty sure they can decline you even with existing insurance coverage except in certain circumstances (e.g. cobra). http://www.mrmib.ca.gov/MRMIB/MRMIP.shtml http://www.mrmib.ca.gov/MRMIB/MRMIP.shtml is worth looking into if you find yourself unable to get health insurance as a result.