How to Choose a Health Insurance Plan: 12 Helpful Tips

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Hi Zena:
That is a lot of money to pay each month, and quite frankly, I would never want to pay that much, even with a great job!
I would encourage you to seek out govermental insurance help. You can receive health insurance without other incentives such as housing, food, or financial help. There are also some insurance plans that will allow you to get coverage for medication only without a full package.
Try www.hhs.gov
More than 30 states have what is known as High-risk pools which allows individuals who do not have insurance or cannot find insurance to have coverage through their state.
Read more:http://www.revolutionhealth.com/insurance/information/cant-find-insurance
There are also discount cards, medication only insurance plans, etc. You just have to contact your state insurance department for further information. www.hhs.gov will be able to direct you.
If you live in New York: www.health.state.ny.us/heath_care/
Good luck!
Dr.T

Dr.T of PA 10:17AM December 06, 2010

If you decided the company is for you, then please reference my affiliate #72016066.
Or, use this link: http://www.ivegotcoverage.com/72016066/?page=getaquote

Ger of CA 8:02PM November 30, 2010

Here's a Health Insurance company that's looking for business.
http://www.ivegotcoverage.com/
See if its got what you need in a Health Insurance company.

Ger of CA 7:58PM November 30, 2010

I am not employed nor have cobra. I am paying private insurance via Blue Cross Blue shield HMO plan. It costs me $1,268.00 a month. I am struggling to pay the premium each month but feel I need to keep up with it as I have lower back issue and want to make sure coverage is available in case of emergency. Any suggestions on any other insurance plan or how I can reduce my current premium without losing too much in benefits?
Thank you.

Zena of NY 5:34PM November 30, 2010

Almost two years ago, I had to scramble to obtain private insurance when my employer went bankrupt (no Cobra available). I applied to three companies, each of which rejected one of the three individuals I was trying to cover. Now that I am working full-time again, I don't dare drop my private insurance, even though it is expensive and redundant with my new employer's plan, for fear of not being able to re-qualify for private insurance if I ever need it again.

John E of CA 5:30PM November 26, 2010

HSA was not mentioned in this article but is another viable option currently offered by many employers. Unused pretax savings are yours to use in subsequent years or go with you to other employers.

Mike of NJ 7:40PM November 15, 2010

previous experience in cancer care needs confirm the prudent will do well to consult this site. thank you

james jennings of AR 1:05PM November 09, 2010

I have posted this already here before You guys should stop complaining because, one the health care we have now isnt as good as it was supposed to be. also the law has just been signed so give it some time. so if u want to say u have the right to choose tell that to ur congress men or state official. If you do not have insurance and need one You can find full medical coverage at the lowest price check http://bit.ly/bandYw .If you have health insurance and do not care about cost just be happy about it and believe me you are not going to loose anything!

Alonsojoe of CA 2:23AM November 02, 2010