i've been on the pc for about two hours now looking for health coverage that does not cost me an arm and a leg and a foot. This is gonna sound like a personal ad, but i dont care,lol I am 20 and i just finished getting my aa this past december, (so i am no longer a college student), i live on my own, my parents do not supplement my income in any way(and they no longer want me on their coverage so thats a no). i have no children, i make about 30,000 (two partime jobs, niether give health coverage for part time employees) I am female, i've never smoked anything, (ciggarette, marijuana, etc) i work out 5 times a weeks( about 140lbs, 5'3), and most of all i live in that crap bowl known as new york. I need some type type of vision dental, medical, etc coverage that is affordable, im not looking for free, but something i can afford (around 0-$75 a month if possible), please help
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Ah yeah, this is a very tough situation. For really good health care coverage, you'll need to spend between 8,000 and 12,000 a year (single, no kids). Most big fortune 500 companies will pay this in full; however, with kids, individuals start having to kick in money to make up for the premium hikes that occur. For you, that'd be nearly half your income. So, you can't have good health care coverage. Yeah, welcome to America. Instead, you have to get the bare minimum. You need catestrophic coverage. It won't cover your normal medical checkups, prescription drugs, or Urgent Care type visits. But, it will cover some of the expenses if something major happens. Because you're young and active, you will probably find this to be a waste of money. Many of your peers do. And, if this is what you decide too, then you'll have no coverage. Effectively, for maintenance, this is a better deal for you. And, when something catestrophic does happen, then you can get your hospital care covered by the American Tax Payers. Hey, it's the system our politicians have trapped the poor, or almost poor, population into.
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