OT: Health Insurance

[Alex Dean]

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 at obnosis.com> wrote:
> 
> From: Lisa Kachold <lisakachold at obnosis.com>
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" <plug-discuss at 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 at 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 at obnosis.com> wrote:
> 
> From: Lisa Kachold <lisakachold at obnosis.com>
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" <plug-discuss at 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 at 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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