richardhutnik said:
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.
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The barebones one I ended up missing for at work was like $250 a month.
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Well, you're in a state run by the Dems for a long time, so your insurance costs are crazy high. Here in GA (and in most southern states) decent insurance is pretty cheap and we actually have a lot of options. I did a search here and got 97 plans starting at $48, did a search in NY and got 16 plans starting at $170 (for one that only covers hospitalization!!). I didn't realize the price desparity was that high! Apparently NY regulates what types of plans can be sold, so you basically don't have any affordable options. I'm sure I'll be in the same boat when the federal mandates kick in (I can't afford rates like that for 4 people), so we'll both be uninsured! Yay!
