and it’s $150/month per person on their gold plan that covers every bill over $500 at 100%. We also do the brother’s keeper for unlimited protection for an extra approximately $200/year.
~$15K in annual premiums plus $8K deductible. Doing a PPO so I have access to pretty much any doctor. A benefit is my cancer meds are at the PPO's negotiated price...if they weren't, our total out of pocket would skyrocket.
My spouse and I discussed yesterday shopping around again. So I'm curious to hear what other posters have discovered.
health insurance for the self employed. Pre-existing conditions aren’t a barrier any longer in obtaining insurance (though we’ll see what happens in the future). They are, however, a factor in the cost of insurance in my experience.
Pre-existing conditions are not factored into the price directly. Because of guaranteed issue and community rating, everyone's costs go up, but having a pre-existing condition does not make your insurance more expensive than anyone else's.
There are special provisions about wearing seat belts, not drinking in excess, not having children out of wedlock etc., so read the fine print carefully.
However, if you're generally healthy, it's a great option even for the family. I figure I save $1200/month on the premium vs. tradition insurance and can use those savings to easily pay my medical bills.