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Old 08-17-2011, 10:42 AM
219 posts, read 441,584 times
Reputation: 151


I'm 29 and in pretty decent shape though I do have problems with my knees so I might need to go to a specialist. I don't smoke and I'm a reasonable weight (128 lbs at 5'5" to 5'6"). I have no serious medical conditions/history and have not be on any medications in the past 10 years. After not having health insurance for the past 2-3 years I thought it'd be a good idea to buy some, but only for hospital stays/surgery/etc--stuff that could bankrupt me. I don't really care about eye, dental, check-ups or small stuff and I don't mind a high deductible, say $10K. Any advice on where to start shopping or a good company to look into? I'm pretty new to this and after checking out a few sites online and getting bombarded with emails and phone calls ever since, I'm somewhat confused by all the information. Any info would be greatly appreciated.
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Old 08-17-2011, 12:05 PM
Location: Mostly in my head
19,641 posts, read 53,545,549 times
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Does your employer not offer a plan? That is cheaper than anything you could buy yourself. If not, the Blue Cross/Blue Shields are reputable companies. You might also qualify for some affinity group, i.e., any org you belong to?
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Old 08-18-2011, 03:41 PM
5,547 posts, read 8,299,320 times
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I think you're in a good spot. I agree with SouthernBelle. I would try Blue Cross. They've been about the best insurance company I've dealt with. With your age and health history, my money says you can get a very reasonable policy.
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Old 08-18-2011, 04:57 PM
Location: Georgia, USA
21,526 posts, read 26,146,877 times
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You might want to look into a plan that has a health savings account, or HSA.

See here:

Health savings account - Wikipedia, the free encyclopedia

They require a high deductible, so if you are willing to go as high as 10K for the deductible, that would work for you. You own the money in the HSA account, there are tax advantages, and anything not used one year just rolls over.

Some employers offer HSA plans or you can get them as an individual.

From BCBS in Washington, DC:


Check out the HSA options.
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