I've searched high and low for a decent cheap high deductible health plan in New York (I'm a healthy 27 yr old sole proprieter). For whatever reason, they don't seem to exist. Can I use my mother's Kansas address to get a plan?
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Sure you can, but it's only going to cover things that you get done in Kansas. And the providers, will be KANSAS providers. And it will cover you according to KANSAS insurance department regulations. Hell of a drive if you have a broken finger. Are you looking for a major medical insurance policy with high deductible, OR, a health plan? They're two different things. The health insurance plan will cover maintenance things, and the major medical will only cover hospitalizations. With, as you noted, a high deductible. If you're 30 and healthy, the health insurance plan WILL cost $250 a month for just you, the major medical maybe $150 a month. That's just what they cost. There is some variance geographically, but not much. Contact the guy who does your car insurance, and ask them for a MAJOR MEDICAL quote, with high deductible. Or a referral to someone who can do that.
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