Wednesday, July 27, 2011

Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!
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Well, EVERYONE keeps getting their prices jacked up, because, well, claims keep going up! There isn't any 'surcharge' for claims - when ALL the 40 year old men in your state, on average, put in more claims, then EVERYONE in that age range, will see an increase. Affordable is in the eye of the beholder. A GOOD low/no deductible family plan, is GOING to cost $1200 to $1500 a month. That's what it costs. To lower the cost, you need to lower your coverage, or raise your deductiblel, or both. But that means more out of pocket, for you, for claims. You probably should sit down with a local agent, to have them help you balance coverages and costs to find something you can afford.
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