loads of bitching going on here, certainly justified. Health Care costs in the US are very high.
meanwhile, the OP is asking for input.
I compared costs for individual plans here:
http://www.ehealthinsurance.com/
and my local chamber of commerce.
then went with a plan from ehealthinsurance, read all of the fine print, made sure that I understood it all (a few phone calls were needed). It was tedious as hell, but like any of the programmers and engineers out there can tell you about a complex problem.... you have to resign yourself to sorting it out and identifying the variables, prioritizing what is important, then make an action plan to solve the problem.
I am an individual, in good health, income is OK, so I set my deductible at $2500 and max out of pocket at $5k/year, $20 copay on visits. I pay about $210 per month.
I know for sure that I am screwed if something heavy (cancer, spinal injury, etc...) comes along, but I had good experience with the plan 2 years ago when I got all busted up in a crash and needed mri and loads of xray and some pt. no complaints.
hope that helps.
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loads of bitching going on here, certainly justified. Health Care costs in the US are very high. meanwhile, the OP is asking for input. I compared costs for individual plans here: http://www.ehealthinsurance.com/ and my local chamber of commerce. then went with a plan from ehealthinsurance, read all of the fine print, made sure that I understood it all (a few phone calls were needed). It was tedious as hell, but like any of the programmers and engineers out there can tell you about a complex problem.... you have to resign yourself to sorting it out and identifying the variables, prioritizing what is important, then make an action plan to solve the problem. I am an individual, in good health, income is OK, so I set my deductible at $2500 and max out of pocket at $5k/year, $20 copay on visits. I pay about $210 per month. I know for sure that I am screwed if something heavy (cancer, spinal injury, etc...) comes along, but I had good experience with the plan 2 years ago when I got all busted up in a crash and needed mri and loads of xray and some pt. no complaints. hope that helps.