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I need to find a new health insurance for a family of four?

I need to find a new health insurance for my family of four. One with a low premium and (preferably ) without a deductible. We are in Michigan and everything I look @ is so high. But I need one fast my daughters meds are $300.00 a month. I have been doing the online quotes and my phone will not quit ringing with agents wanting $350- $600. a month and we can not afford that.

Public Comments

1. Hi Samantha! There is a affordable alternative if you are interested send me a message!
2. OK, the lower the deductibel, the higher the coverage. And you're probably not going to find someone to cover your daughter's pre-existing conditions. The average no deductible family plan, EXCLUDING maternity, is $1200 a month. And when you shop online, your personal info is harvested and sold to agents as a lead - hence the phone ringing off the hook. You really need to talk to a local agent, who can help you weigh coverages vs deductibles vs premiums. But I'll tell you right now, you are NOT looking at a realistic price range for a no deductible plan, for a family of four, even if your daughter's condition is excluded from coverage. Have you tried the state Children's Health INsurance Plan? It would only cover the kids, but hey, they'd cover your daughter's preexisting conditions, if you're income is low enough.
3. The most important question right now in the economic meltdown is whether and how insurance provider is able to meet both current and future obligations. Hold off payment until you see compelling evidence of both. Look for U.S. equivalents to insurance consumer advocacy outfits listed here http://www.bcdisabilities.com/bcdisforum/viewtopic.php?p=330#330 and see what information they have for you.
4. You did not specify the age of your children, but United Healthcare offers "kids only" health insurance plans that provide school age children's coverage for sickness and accidents. Their plans are written through school districts and many private K12 schools throughout the US. Their health plan is designed to be affordable, at just $98 every 2 months. Check out www.k12studentinsurance.com to see if your child's school district (or private school) is participating. Click on the "Plans & Pricing" tab, enter the district name or private school name and the state in the search box and review the plans. If you don’t find your child’s school district, call UnitedHealthcare StudentResources at 888-282-5957 to see about adding it.