OT: Self Employed Health Insurance Costs and Coverage

[keith smith]

Hi,

I am self employed and have gone without health insurance for a while.  I have been very healthy, with the exception of bouts of high blood pressure and high cholesterol.  I was told both could be treated with diet and exercise.  Both in place.

Here is my dilemma.  I am older so I am more high risk.  The best insurance I can find cost close to $500/month for my wife and I and it has a $3000 deductible for each of us.  Basically we will be paying $6000/year for catastrophic insurance and will pay $3000 for each of us until the insurance kicks in.  If we just have some preventative care, we could end up spending upwards of $8000 a year without accessing the Insurance.

Any suggestions from others who are self employed?

Thanks!
 
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Keith Smith


      
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