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Health Insurance

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Brookenstein:
Does anyone know where I should start if I want to buy my own health and dental insurance?  My husband has coverage for the entire family that is 100% employer paid, but we end up spending close to ten thousand dollars each year out of pocket (they have a crappy plan).  I'm wondering whether or not it would be beneficial for us to get a second coverage for at least myself and the kids.

My 6yr old has a dentist appointment tomorrow to the tune of $2k out of pocket.   :'(  Good thing I have a tub to relax in....

badval:
http://www.ehealthinsurance.com/ is where I looked.  You put in your family's info & spits back quotes.  Should get you an idea of what's in your state.

I ended up staying with what I have thru work.  The coverage gets less & the cost goes up every year, but still cheaper than buying my own.

Brewman:
Another option would be to visit a few independant insurance agents in your area and see what options they can offer.  
 You'd have to face a sales pitch or two, but if you find a good agent he might be able to come up with some creative ideas to either replace or supplement your existing coverage.

Do either of you have the ability to defer some of your income into a flexible medical spending account?  At  least you'd be able to save some money on income taxes.
 

In Canada eh:
Move to Canada ;D

Publicly funded health insurance :)

Brookenstein:
We use flexible spending each year... in years in which we expect expenses (like me pregnant) we saved quite a bit... but this year we didn't think we'd have any expense besides routine well child visits and my husbands medications.  After tomorrow I've probably spent $5k YTD and we only saved $1200 this year.  It seems we always have medical expenses we don't expect... but I just know the one year we put in a lot of money we'll suddenly have no problems and we'll waste all that money.

My 6 yr olds mouth is now worth enough that I could have had a boob job, a tummy tuck, and possibly some lypo...  :)

Believe it or not, we actually considered moving to Canada a few years back, but instead moved to California.  Kinda think we made the wrong choice.

I will find out Tuesday if I got a PT job... once I know that answer to that, I will ask how many hours I have to work to get benefits and what they offer... I'm kind of hoping something will work out that way.

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