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I need help with Health Insurance coverage!!?

I recently graduated college, and now that I have left the education world my school insurance has lapsed and I don't qualify to be under my parents' insurance plans any longer. I'm unemployed right now and looking for a job while I live at home, but I'm really uncomfortable going without benefits, even if it's just major medical... I have a really clean record, no history of health problems at all. I just need to know what type of coverage I should look for and where I should look for it...the less expensive the better (did I mention I'm unemployed?)! Can anyone give me any suggestions about plans and coverage I should look at, how much they might cost, and which companies would be the best for a person in my situation? Thank you soooo much!

Public Comments

1. health insurance industry exists to profit.. they profit by denying benefits.. and skimming off moneys people spend on health care for their own profit. any insurance you buy will be a rip off.. if you can move to another country.. such as canada or britian or somewhere in the eu. america is not first rate when it comes to health.. in fact you'd be better off in places in africa than america. if your in good health i wouldnt feed the theives.. i would go without insurance. .. and pray Obama can fix americas health care system. when you land a decent job.. you might find affordable health care thru your employer.. but only cus they take on a huge part of the rip off that is for profit insurance premiums. good luck to you , you'll need it in america's cesspool of profit over humanity.
2. You need to sit down with a local, independent agent, to get some quotes. Assuming you're perfectly healthy and not overweight, at 25 a good, low/no deductible plan without maternity benefits will cost you about $250 a month. You can get a "major medical" plan, which means high deductible, for really bad things that might go wrong, for under $100 a month. A local agent can help you balance cost and coverage, and will sell you REAL insurance. www.iiaa.org to find a local agent near you.
3. As already mentioned you want to visit a local agent that works with all of the major companies in your area. The agent can give you suggestions and can explain the plans. There is no extra charge using an agent. One option would be a short term medical policy. Since you recently graduated and are looking for employment it is possible that you'll get a job with health benefits. The short term policy will provide coverage for catastrophic illnesses and accidents without all of the bells and whistles of a regular policy. When you get your new job if it doesn't have health benefits then you can find a permanent policy. The premium with a short term policy is reasonable compared to a permanent policy. In my area a good short term policy with a low deductible will cost you around $35 per month.