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10-12-2007, 11:22 AM
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Junior Member
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Join Date: Jan 2007
5 posts, read 5,918 times
Reputation: 10
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Medical/ Dental Insurance
Hi Everyone,
Thanks for all the replies on "Woodlands Verses Lake Conroe".
How about Medical/ Dental Insurance.
We are coming from Alberta, Canada, Where our Health Insurance is Amazing.
I have heard that private companies supply this insurance, in the states. Is there one company that is recommended/ better than the rest? And what is the average cost for basic Dental and Medical for a family of 5.
Thanks
Schlick
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10-12-2007, 12:30 PM
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Dad
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Join Date: Aug 2007
Location: SE TX
4,387 posts, read 3,013,117 times
Reputation: 869
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Your taxes (and lines to wait) are amazing, too!
You'll probably pay 150-200 a month per person for that, unless you do it through your company where it could be free to half that price.
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10-12-2007, 01:36 PM
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Junior Member
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Join Date: Jan 2007
5 posts, read 5,918 times
Reputation: 10
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Really??? 1000.00 per family! Whoa...... So do a lot of people in the states not have medical / dental insurance? I will need to take on a 2nd job in order to just afford that.
Schlick
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10-12-2007, 02:36 PM
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Dad
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Join Date: Aug 2007
Location: SE TX
4,387 posts, read 3,013,117 times
Reputation: 869
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If I were to pay my own health/dental/vision plan all out of my own pocket, it would be about $400/mo just for me. A lot of people go uninsured for this reason.
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10-12-2007, 03:02 PM
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Senior Member
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Join Date: Jul 2007
Location: Kingwood, TX
1,259 posts, read 829,502 times
Reputation: 304
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You can get quotes from most major insurance companies via: Health Insurance, Medical Insurance, Individual Health Insurance Quotes
It really depends on your work situation, in the US most major companies offer medical coverage to their workers. If your self-employed then you can either get full medical (prices vary widely) or do whats called an HSA whereby you have insurance with a very high deductible and then you can deposit 5kish into an investment account to be used to pay expenses to your deductible and that money is tax free (there plans usually run $50-$200 per person per month depending on age and risk factors).
So the real question is who are you or your husband going to be working for and what coverage do they offer to employees? Then you can go from there to see your options. I know it can be scary when the government doesn't hold your hand through life but somehow we 300 million people in the US manage and I think you will as well  . |
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10-15-2007, 10:35 AM
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Junior Member
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Join Date: Jan 2007
5 posts, read 5,918 times
Reputation: 10
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Thanks,
Yes we will be self employed..... I will check into those companies.
Schlick
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10-15-2007, 03:09 PM
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Senior Member
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Join Date: Jul 2007
Location: Kingwood, TX
1,259 posts, read 829,502 times
Reputation: 304
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Another thing to keep in mind is your health insurance payments are tax deductible when your self-employed. Also if your annual medical expenses exceed 7.5% of your AGI you can deduct those as well. Your AGI (Adjusted Gross Income) if your income after you take out all your business expenses, deductions and pension plan contributions so if you have anything beyond routine medical work you will most likely be able to deduct it.
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