It's me, my wife and my daughter. My wife and I are both self employed, and we live in Michigan. We would like to have some kind of basic coverage in case we need to go to the Emergency Room. Who can we call and ask? Which insurance company gives the best deal? Should we buy cathastrophic insurance only?
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You should NOT by a catastrophic plan or hospital only plan. They are ridiculous plans. ALWAYS buy a comprehensive plan and if you want to lower the premium then up the deductible. There is NO reason whatsoever that you would, for example, want an insurance policy to pay your $100,000 bill if you had a heart attack (and went to a hospital), but NOT pay for your $100,000 bill if you got cancer (no hospital). It's a ridiculous premise and they save very little money. You SHOULD buy insurance through an insurance broker that does business in your state. You just need to give your information to the insurance broker and they should run through the hundreds of plans that are available to you and narrow it down for you. That's what good insurance brokers do. In the last week I've sold plans with Aetna, Humana, United, BlueCross and Assurant...there is no 'best.' It depends on too many factors to determine which company works for you.
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