elicia asked:


I am young and healthy and need a health insurance plan for myself. Essentially, I just need health insurance in case of a freak accident that will land me in a hospital. Any suggestions? The cheapest so far has been $61 a month. I don’t care about deductibles or any of that. Just that it has the lowest monthly fee. Thanks!

jlf
December 14th, 2009

You’d better care about “deductibles or any of that.” Go see an insurance broker that handles individual plans and find out what options you have.

mbrcatz
December 17th, 2009

The cheapest one, is the one with the least coverage.

That $61 a month plan – probably limits your hospital coverage to $10,000, or has a huge deductible.

Not caring about the details, is how you end up having massive bills later on, and blaming the insurance company.

Take responsibiltiy for yourself. Read the fine print.

winterrules
December 21st, 2009

In my state the cheapest policy is the one with a $15,000 annual deductible. I have that policy and the premiums are $176 a month for a healthy active 50 year old. I don’t like having the idea of paying that much but a $5,000 deductible policy is over $400 per month. Banking the difference for 4 healthy years gives me enough savings to cover the higher deductible.

MJG
December 23rd, 2009

You can have online quotes from many online insurances sites available. Here is a one good online site i found for you

JupiterJack
December 26th, 2009

Hey, well, as some other people have said, you should care about the deductible. Find a middle ground, something with abut 2K out of pocket and then full coverage thereafter will usually cost about $100 a month. What if you break your arm and its bad enough that it needs surgery? You’d come out far better with some type of med deductible with a slightly higher monthly rate. You gotta take the long view with this stuff and not just the monthly view.

If you are looking fo some more quotes, I have several online sites reviewed on my blog.

CAROL S
December 28th, 2009

I have met this sort of situation before,here

is the resource I found helpful.

Orus
December 29th, 2009

Try this site

here you can get quotes from different companies so you can find the best plan for you.

Health Advisor
January 1st, 2010

I’m a licensed insurance agent. I’d be happy to run quotes for you. Although $61 is pretty competitive, I’m sure you have limited benefits. If interested, call 877-442-5878 and ask for Kevin. Or visit our website at My service is 100% free and we only deal with A-rated insurance companies.

ashanti
January 4th, 2010

Check out this site, if you want to find the best or the cheapest health insurance just in one minute,

Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.

Best Wishes,