Can someone help me shop for health insurance?

I'm looking for health insurance for myself, husband and our 4 yr old daughter. I am a full time student, so we only have one income coming in and its not great but its not too bad. So we are on a budget but we really need insurance!!!

Can someone help me shop for a good insurance company? how much will it be a month and what will it cover?

The Best Cheap Policy -

Ultimately, you are the one who determines what is the best insurance because you decide what right balance between affordability and policy benefits.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as opting for low deductibles, low copays as well as vision and dental benefits your monthly premiums will be significant.

On the other hand because you are young, presumably healthy and probably use the health care system sparingly you might consider a plan with a higher in hospital deductible, higher copays for doctor's office visits and perhaps not cover prescription drugs. This approach will result in a relatively lower monthly premium. You then can use the monthly premium savings to pay for the occasional prescription drug and still come out ahead.

Based on what you are asking I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. He or she can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network.

Some are going to suggest you go to their site so that they earn a few pennies on a "click through". Some are going to suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan as the "best and cheapest" approach but that is not insurance at all.

Use the Internet to research health insurance but use an agent to purchase the coverage.

Do not try to do this over the internet. It'll take you days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy, cause you to be declined, or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.

Visit 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 tell you the premium and the coverage of the different plans. There is no extra charge using an agent. No one on YA can help you because the companies and plans available will vary depending on your state and the premium will vary depending on your ages, height and weight, if you smoke, any pre-existing conditions you may have, and even your zip code.

If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be affordable for college students. To check if your school is participating, go to www.UHCSR.com and enter your school name in the search box. You might also be interested in joining the American College Student Association (ACSA), a national organization for college students. They have lots of member benefits, including student health insurance. Their membership fee is affordable.

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