Health Insurance

[drbolony]

Hey guys I wanted to know If anyone is knowledgeable on the topic of health insurance.
I tried googling, but most of the results where just companies trying to shove their policies down my throat. So basically what am I looking for , and whats a fair price range? I only bring in about $21k a year. Thanks in advance.

 

[TheLionTamer]

Does your employer provide health insurance and are not happy with the coverage or are you trying to buy your own?

 

[llperez22]

having a job with health insurance and retirement in almost as important as the wage you earn.

 

[Oblivian]

I'm assuming with your income level that you are fairly young and that your employer is not providing health insurance. If this is the case, I'd look for a high deductible health savings plan. Basically, this is a plan for a major medical bill. Besides covering preventative care, it does not cover anything until you meet your deductible. At your age, there is a good chance you don't have health issues and medical expenses. Paying for a comprehensive plan doesn't really make much sense if this is the case.

When you have a health savings plan, you open up a health savings account at a bank. Contribute to that every once in a while. Keep your records of that as it's a tax exempt account giving you tax savings (more of a tax refund in your case). Not only will you be getting the tax savings, but it teaches you to have money set aside for health costs.

I could ramble on and on about this as I've had to shop insurance quite a bit. My boss pays for mine 100%, but he doesn't cover family. My wife's former employer didn't offer benefits so we played the insurance game for a few years.