General Question

lapilofu's avatar

How can I find a reasonable health insurance policy?

Asked by lapilofu (4325points) August 3rd, 2008

I’m going to be taking a semester off from school this coming fall and my step-father’s health insurance only covers me as long as I am a full time student, otherwise it’s $400 monthly. I just need something to cover me for five months until I’m a student again. I’ll be living either in Ohio or California—not sure which yet. So… how can I find insurance? I’m young, with no outstanding medical issues.

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7 Answers

baseballnut's avatar

Blue Cross/Blue Shield, Aetna, Humana are a few carriers who offer inexpensive “bridge” coverage for people between jobs, recent grads or anyone needing individual, generally short-term coverage. I researched this for my son in DC who went with an Aetna HMO with a higher deductible and lowered his monthly payment from $550 with COBRA to less than $100. Try google

marinelife's avatar

@baseballnut Great Answer!

Sueanne_Tremendous's avatar

I agree with baseballnut. I know Humana well and suggest looking into it. Raise your deductible as high as possible and your rates should be pretty decent.

gooch's avatar

You really can’t in the end they will screw you. Sadly you gotta get screwed because you cant be without its too much of a financial risk.

tangbeili's avatar

I’m 47y with Blue Cross:in Los Angeles: and pay 160$/mo: $2500 deductible. If you do the math, your insurance ought to be less than mine.

tangbeili's avatar

There was an article in the Wall Street Journal that said that some students continue taking no brainer classes just to maintain their health insurance coverage. They don’t do any homework, they did do the no grade route or something like that. At certain community colleges, the idea is that paying for the classes is less than paying for the insurance. I suppose it depends on the break-even for the insurance versus for the college. The math is left as an exercise for the reader.

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