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Does anyone know of cheap health insurance for a young couple with no kids?

WE ARE A 25 YEAR OLD COUPLE WHO ARE LOOKING FOR REASONABLE HEALTH/DENTAL INSURANCE. WE HAVE NO KIDS YET, BUT PLAN ON HAVING ONE NEXT YEAR, BUT WE ARE NEEDING TO GET SOME HEALTH INSURANCE NOW.. WE ARE BOTH IN EXCELLENT HEALTH.

Public Comments

1. There are many choices... the top ten companies are listed on my source for getting cheap health and other insurance! No affiliate links so i trust them! I hope this helps!
2. Well, a private health policy is GOING to cost you each about $200 a month. And PRIVATE health policies don't cover maternity benefits - because people only buy it when they want to use it, which defeats the purpose. Private dental policies, well, I haven't found one that pays out more than it takes in. So you're best off just paying out of pocket for that. The MOST cost effective way to get maternity benefits, is through a group plan offered by one of your employers.
3. It all depends on your location. Companies and plans vary wildly by state and locality. Also, I should point out that SOME individual plans do not offer maternity benefits; however, some do for an additional price. (You will be required to carry the maternity benefit rider for 6-12 months BEFORE conception in order for the pregnancy to be covered.) If you can list your location, someone may be able to provide you with some good options.
4. unicare or healthcare101
5. If you are in good health, you should qualify for the lowest rates available. Why not let a health insurance broker do the shopping for you? A broker works with several health insurance companies, not just one, and can find the best deal for you. To find a broker in your area, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Your information will be sent to a broker in your area who will contact you. It cannot be sold to any other business. Brokers need referrals and a good reputation to stay in business, so they only work with reputable insurance companies. There is no charge for the service and no obligation to buy. If your health is that good, you might consider enrolling in a “qualified” High Deductible Health Plan (HDHP). This is health insurance with very high deductible amounts, so it costs less than traditional health insurance. Under federal law, the minimum deductible in a HDHP plan is $1,100 for an individual and $2,200 for a family. The maximum deductibles are $5,500 for an individual and $11,000 a family. If you don’t go to the doctor very much, you wouldn’t pay much of the deductible—and you wouldn’t have to pay a high monthly premium. The advantage of an HSA is that you are insured against major medical expenses and you pay your premiums and your deductible with pre-tax dollars—dollars you earn before federal income tax, state income tax, and Social Security tax are taken out. Depending on your income, you may have up to 40% more buying power using tax-free dollars. For example, let’s say you have to pay $600 for medical expenses in one year. Using your HSA account, you pay $600. Without the HSA account, you would have to earn $1000 to pay for those $600 in expenses. The same goes for your insurance premiums. With an HSA account, you pay with pretax dollars. So paying $3000 in premiums with an HSA account is the same as paying $5,000 a year in after-tax dollars. Best of all, if the money in an HSA account is yours to keep. It rolls over from year to year if it is not used. If some or all of it is unspent by the time you retire, you can withdraw it tax-free. And the HSA money can be invested to earn even more, and the earnings are tax-free, as with an IRA account. Good luck!