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Looking for information on Major Medical Insurance?

I am going to be self employed in the near future and want to start shopping for Major Medical. I literally know nothing about it. What should I be looking for? What kinds of prices should I expect? Any feedback from anyone who has purchased their own Major Medical Policy? Thanks in advance! I am 33, a non smoker, no major medical conditions etc, no medications, not having anymore children.

Public Comments

1. If you are going to have employees you'll be able to get on a small group policy, otherwise you'll need individual insurance. Some states have a policy for self employed and are great if you have pre-existing conditions. The premium to expect on an individual or state sponsored plans depend upon your age, current and past health problems and which part of the country you reside. You should see a local independent agent that can shop the market for you. This agent can also help you if you have any problems or questions during application and while you are on the plan. Beware of "affordable group policies" for the self employed. These policies have many restrictions on what they cover, such as a $400 per day limit if you go into the hospital. The deductible with these policies are per occurrence, which means if you go into the hospital three times in a year you have three deductibles. A regular "traditional" policy only has one deductible for you. Also beware of Medical Discount plans. If you are tempted by the low premium get the doctor list from them before signing up and call some doctors to make sure that they are still taking the plan. Many doctors never have heard of most plans that they're supposedly accepting. With these plans you get a discount, but even if you're lucky enough to get the 60% discount for a hospital stay if you have a $200,000 hospital bill you still have to pay $80,000 and you have to pay it up front. These plans are the current scams in the market.
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3. Insurance will run anywhere from $50 to $1000 a month. How old are you? Do you smoke or use tobacco in any form? Do you need maternity coverage? Do you currently take any meds? Any medical conditions? What is your occupation? Where do you live? What is your height and weight? As you can see, there is a lot of information needed in order to even give you a guess.
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6. Thank you for the additional information, but none of us can quote you a price on your specific coverage. There are more factors that would be needed in order to do that, and I wouldn't want you to be sharing too much information in this format. The advice given has many valid points and great information. I suggest that you contact a local, independent insurance agent that offers Health insurance. Ask to look at individual/small group plans in your area that will provide you with the most comprehensive coverage at the best price. My experience tells me that you will probably want to look at an HSA-qualified HIgh deductible Health Plan (HDHP). It works similar to old major medical plans, but it also give you the opportunity to put away money on a tax-advantaged basis to pay for current and future medical expenses. Good luck in your new business venture.