What is a good health insurance policy for me and my husband?

He just lost his job, and I am self-employed. We are looking for something with a high deductible, maybe dental coverage as well. Any thoughts on a good policy that isn't really expensive?

What is a good health insurance policy for me and my husband?
I think that the best insur would be the one that is most popular in your area as there will be more participating dr/hospitals. Try calling your local Blue Cross/Blue Shield. They offer individual accts. If your husband had coverage with his prior employer he may qualify for COBRA although quite expensive. Going with an individ. acct would be cheaper but you wouldn't get dental or vision. Also keep in mind that most of the individ. plans out there have a pre-existing clause and/or underwriting requirements. Again I would call the major health insurance companies in your area and see what individ. products they have to offer. Also look to see what your state offers. Most states realize that adults need coverage and they have a basic plan for low income families that make too much for welfare but too little to pay for full coverage elsewhere. Good Luck!!
Reply:His Cobra, is going to be best.





With health insurance, you get what you pay for. If you're both 30 and healthy, it's GOING to cost $300 a month, each. If you want a $5,000 deductible, each, you can cut that to $150 a month. Each. And you won't get maternity benefits.





With dental policies, I've never seen a private policy that pays out more than it costs. So I don't think you're going to find a "good" one.
Reply:Good Luck. Believe me you are going to need it.


There isn't any private Insurance that isn;t expensive.


If both of you are in good health you can probably get Insured,


but if you have health problems it is next to impossible


Your best bet will be Cobra it is high I know but it is also the best coverage for your money.
Reply:Try contacting a local agents. Local agents will know the market and the local companies well. They will be able to shine light on areas like your self employment, high deductibles, tax advantaged savings accounts, and dental coverage.





You can get competitive quotes from local agents by going to http://www.myinsurancequotes.net and filling out the quote form there.





Jared Balis


http://www.utahinsurance.org


http://www.myinsurancequotes.net
Reply:When researching health insurance you might want to try and bookmark this site for research information, news, articles, insurance quotes, companies, links and more. It should have the resources to help you with your question about finding the right insurance.





http://www.healthinsurance-guide.net/