I work full time and my husbant too but our jobs don't offer a health insurance. We hava just enough money to pay the mortgage, other bills and to survive the month. We would like to have a baby and the only thing that is holding us up is no insurance. I could only find family insurance that's over $500 a month and we could never afford that. And we make "too much" to qualify for help from the government. Does anyone know any affordable insurance or help from somewhere. Also, without $1000s in deductibles and coinsurance?
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Individual Health Insurance will vary depending on your location. I would suggest calling a couple of brokers in your area as they have better awareness of your local market conditions. Also, you will want to really focus into the maternity issue. A lot of individual carriers wont cover maternity and if they do, they normally apply benefit waiting periods of 1 or 2 years or higher cost sharing. Another good resource would be www.ehealthinsurance.com. They address the maternity issue on all their quotes and have a good pool of national carriers on thier side.
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