What is the best health insurance for me?

Question:

I'm still under my parents med. insurance, but I know when I turn 19 they're health insurance providers will say that I can't legally be under my parents anymore.(I know this because they did the same thing to my older brother and sister. But my sister is still under it because she's a full time student in college and my bro. is still under it cause he has a mental disability) I don't know what I'll do after that though. My parents said that even though I have a job of my own, if I find the best health insurance for me they'll pay for it until I move out. I don't have any true health problems only acne and acid reflux. Please give me an idea of a cheap but reliable health insurance plan that would best fit my needs. (Thanks)

Answer:
First I would recommend going to college. You will be extended on your parent's plan until you're 22, and you'll greatly increase your chances of landing a better job with equally better benefits once you graduate. Until then, since it sounds like you're fairly healthy and have no kids, a PPO with any trusted insurance company should be fine. You can pick any doctor and pay around $20 for a copay. If you had children I would recommend an HMO because they have better benefits for the mothers and pay for almost all of the kid's first shots etc.

Ask your Mom & Dad to let you go by/call the insurance agent that has the plan that you're on. Tell the insurance company your story, and I'll bet they can help you out.

You will get the best rates through an employer.
They insure more people so they get special rates.
Otherwise you need to seek out insurance agents who deal with a broad spectrum of companies.
Alot of what you will be able to afford will be based on many factors. . .
1. How much your deductible is. . the higher the deductible,the lower the monthly premium.
2. Pre exsisting conditions.
3.Some companies require health exams.
4.Habits such as smoking,drinking,doing drugs.
5.Have you ever been hospitalized for depression/suicidal tendencies etc

Group policies help to alleviate these conditons in most cases.

First of all, where do you live? Believe it or not, your geographic location plays a big part of what you pay and what government programs may be able to help you pay for insurance such as Medicaid. There is a list of simple questions you should be asking yourself...one of the best references that I have found is the book "Healthcare for Less" by Michelle Katz. She nor only has great tips, but websites that are fantastic listed in the book. I heard her on "Oprah and Friends" the other day and her advice was great and simple...I bout the book at Barnes and Noble for about $15, but you can get it on Amazon a lot cheaper.I am getting this book as a gift for a few of my relatives for the holidays!

Besides insurance, if you are on your own, look into a discount medical program such as the one below. It will save you money
everytime you go to a doctor and works with insurance coverages well.

What is the best health insurance for me?

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