Insuring yourself???

[stankonia3000]

So my fiancee and I are trying to figure out our budget after we get married in October and the biggest unknown we have is how much health insurance is going to cost us. I'm an undergrad and my school (Purdue) wants $600+/month (no, not a typo) to insure my spouse and I. My fiancee's job is through a rural school corporation and the insurance sucks and is fairly expensive. We figure we could probably insure ourselves through a 3rd party. Did some quick searches and rates range between $75 and $100 a month. Anyone have any good experiences with insuring yourselves or have a reccomendation on a good company to go with? I've never done this before and so need some help.

Cliff's Notes:
-Getting married and poor
-Thinking it's best to insure ourselves - who to go with?

 

[mugs]

$75-$100 a month for 2 people? Hah. I doubt it. Although it was only $200 for just me when I lived in Indiana. That doubled when I moved back to NJ

 

You can get insurance for 75 - 100 a month?
Sign me up.

Straight up out of pocket here runs about 200-300 a month.

 

[stankonia3000]

I don't know, i found some search engine on google that emulated Progressive's site (i.e an insurance search engine) and those are the hits that came back. Obviously, I have no idea how real-world those figures may be. Who is your insurance provider?

 

[novon]

ehealthinsurance.com

$52/mo for catastrphic only, for me, through Regence Blueshield

 

[jemcam]

You get what you paid for, that's the only advice I can offer you. I've had very expensive health insurance that never denied anything, but now I'm on a HMO plan that saves me a hell of a lot of money but they nickle and dime me to death with little things like not paying for certain drugs, etc.

 

[Gnurb]

I bet you could get something for 75-100 it just depends on how much you get if you die. I have no experience in it at all though.
edit: duh--read this is as LIFE insurance. I pay 75/month for health insurance for myself but it's through my school.

 

[stankonia3000]

How is Anthem Blue Cross/Blue Shield? - I am on my dad's plan now and that is the Insurer. In my experience, they seem to be very well.

Via ehealthinsurance.com, I would be $93/month (now we are considering insuring myself thru a 3rd party and insuring my fiancee through her work).

 

[fatkorean]

It all depends on what you get and how healthy you are. You can get plans that will run 200-300 a month for both of you for a personal one. If you have any pre existing conditions, good luck on finding one. For those you will need to get some type of business health plan where they dont discriminate on pre existing conditions, but you do pay more for it. That same 200-300 plan will now cost you 600-700 a month.

-fk

 

[mchammer187]

i dont think you are going to need insurance unless you are expecting a child

$600 is way too steep for 2 healthy people and if you are unhealthy enough that you need insurance than it is going to be much more

i get mine through AETNA and i only pay about $60 a month for pretty good coverage though I work for the federal government