Wednesday, June 4, 2008

How can I get health insurance without a job that provides it

How can I get health insurance without a job that provides it?
I am planning on substitute teaching which doesn't offer health insurance. What is the best way to go about getting health insurance for just me?
Other - Health - 4 Answers

Random Answers, Critics, Comments, Opinions :
1 :
Wait until the new laws take effect, or move to a country where they do it right (anywhere other than the USA).
2 :
You can buy many different types of health insurance from numerous firms. A quick look in your local yellow pages under "Insurance Brokers" (or similar) will turn up a bunch of agents. There are different types available at varying prices. I assume you are fairly young, so that works in your favor. You may also wish to ask about "catastrophic" coverage which is less expensive, but only starts paying off after the accrued bills reach a certain (high) amount.
3 :
There are hundreds of available plans in most areas. The best way for you to find the right plan would be to talk with a local agent that works with all of the major companies in your area. The agent can help you find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each plan. There is no extra charge using an agent and you'll have someone local with which you can talk if you have questions in the future.
4 :
You buy it on your own. Lots of people do that. A high-deductible plan linked to a health savings account is your best bet. I got mine from Anthem, but there are other companies out there that offer them It varies from state to state.

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