blissfulkrystal asked:


I’m not looking to go on medicaid, I don’t want to use taxpayers money if I can afford a reasonable individual health insurance plan. I am very early on in pregnancy and would like to know if anyone knows of a good plan with reasonable rates. I would appreciate it if you had details (plan names). We can afford a deductible of around $4000 or less.

Vanessa

Tasia asked:


Including dental and vision benefits…I currently have Humana but have left my employee and am working self employed thus I need individual. THanks for ur feedback

Jasmin

BrunetteAmbition asked:


I am looking into individual health insurance. Im using a major insurance company so I dont get screwed. Can you help me decode what all this means? and if what I’m paying is worth it? My rate is 162.46 a month. I dont know what deductable means and what these percentages mean! also what does no deductable mean? My plan is the standard option in the right hand column..THANK YOU!

http://www.ibx.com/health_plans/ppo/how_plan_works.html?content=/health_plans/ppo/benefits_summary/individual.html&origURL=/health_plans/individual/ppo.html

Ashlyn

Houyhnhnm asked:


I quit my job and I can continue with a decent health insurance plan for my family under COBRA, or I can switch to an individual plan. Being over 50, my wife is supposed to have over $500 of routine tests in a year, otherwise she’s pretty healthy. My son and I are in pretty good health. Any payments we make would be deducted from my wife’s salary before taxes. Our marginal income tax rate, including state tax, is about 19%. Would we be better off with low deductible and high premiums or the reverse? The COBRA plan is fairly low deductible and high premiums.
Question got messed up, should say, “is high-deductible or low-deductible better?”

Thanks,
Houyhnhnm
My reply to Insuranceguytx–yes I can pay $5,000 out-of-pocket for major problems. If I can recoup it in a reasonable period with lower premiums, I’d take that chance.

Mara

Bonnie G asked:


My husband is ordered by divorce decree to cover his ex-wife and son for health insurance. He is now married to me and we have a son. Up to 3 weeks ago when I lost my job, I just carried my own individual health insurance through my company. I think I should be on his family plan now and not her. Does anyone know if the ex-wife can be carried on the same plan and my husband and me and our kids as a dependent?

Helena

vetico asked:


I would like to undergo Gastrointestinal procedures like endoscopy and colonoscopy in during that 6 month period. Please suggest me a good health insurance plan which would cover those procedures? I can pay a monthly premium of about 200$?

Brooklyn

DW2020 asked:


So they have to pay higher rates under individual plans, even though they make less, cause they’re only part time. Is it any wonder why so many Americans do not have health insurance?

Kelly