| timmah said: Why not get a bare-bones, higher deductible plan? That way, you're paying a very low premium for disaster protection, and if something does happen, the bills are limited to the deductible which will give you a manageable bill to put on payments in the worst-case. That's what insurance is for anyway, to avoid financial ruin in a disaster (not to pay for maintenance). You don't expect car insurance to cover oil changes and new tires, so get a health insurance policy that works more like car insurance. EDIT: I'm not sure what prices are like there, but in Georgia I could get a basic plan for myself between $50-$75/month with a deductible in the $3,500-$10,000 range. Some of those even provide a low co-pay for the first 3 check-ups of the year (you shouldn't need more check-ups than that). Check out ehealthinsurance.com or a site like it (that's where I bought my family's coverage). We currently pay under $400/mo for a family of four. |
The barebones one I ended up missing for at work was like $250 a month.
