Keep in mind that if you're self-employed, your premiums & other health-related expenses may be tax-deductible.
http://www.irs.gov/publications/p535/ch06.html#en_US_2011_publink1000208843
On Mar 15, 2012, at 10:48 AM, keith smith wrote:
>
> I took a look and what I saw was a coinsurance of 40% after the deductible is reached.
>
> Thanks!! I'll keep researching.
>
> ------------------------
> Keith Smith
>
> --- On Thu, 3/15/12, Lisa Kachold <lisakachold@obnosis.com> wrote:
>
> From: Lisa Kachold <lisakachold@obnosis.com>
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" <plug-discuss@lists.plug.phoenix.az.us>
> Date: Thursday, March 15, 2012, 8:42 AM
>
> Blue Cross is the most expensive. Shop around on that link. There are lots of cheaper alternatives.
>
> On Thu, Mar 15, 2012 at 8:39 AM, keith smith <klsmith2020@yahoo.com> wrote:
>
> Thanks! I wonder if that is a leader price. They get you in and then bump it once underwriting evaluate the insured.
>
> Blue Cross just quoted $500 a month, $3000 deductible, 40% of first $10,000. That is $6000 per year in premiums, and a $7000 max deductible per person per year.
>
>
>
> ------------------------
> Keith Smith
>
> --- On Thu, 3/15/12, Lisa Kachold <lisakachold@obnosis.com> wrote:
>
> From: Lisa Kachold <lisakachold@obnosis.com>
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" <plug-discuss@lists.plug.phoenix.az.us>
> Date: Thursday, March 15, 2012, 8:33 AM
>
>
> Hi Keith,
>
> Check out this search link with an at a glance quote comparison (using 55 years old for both husband and wife), starting at $187.50 a month.
>
> In my experience your quote was OUTRAGEOUS (shop around)!
>
> On Thu, Mar 15, 2012 at 8:02 AM, keith smith <klsmith2020@yahoo.com> wrote:
>
> Hi,
>
> I am self employed, a little older, over weight, with a history of high blood pressure.
>
> I do not have health insurance and would like to be able to find a reasonable health insurance plan.
>
> Recently I received several quotes. $600 a month, $6000 deductible for me and $6000 deductible my wife. And we must pay 30% of the first $10,000 (each). These are per year. Once we pay $10,200 (annual premium + annual copay) of the first $10,000 the insurance kicks in and will pay what is left.
>
> As a result I have decided to go without insurance. I'd be happy to pay $500 a month for a normal HMO policy. (well not completely happy, I think $500 a month is too high).
>
> Short of building a business that has employees and qualifies for group health insurance, what can I do?
>
> Thank you for your insight!
>
> ------------------------
> Keith Smith
>
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