Can anybody recommend a good HEALTH insurance company? We can't afford our employer's plans...?

We just got out of the military and no longer have tri-care benefits. Our employers charge well over $500 per month for a healthy family of 3 (2 20 somethings and a 1 year old). Unfortunately, we can't afford anywhere close to that. We can't continue to go without medical insurance. Our son will need vaccinated next month, and I worry how to pay for our health should anything happen to any of us. We can't afford high deductables or outrageous copayments. Any hope for us? Our income bracket is approximately $35,000 in the state of Colorado. Any suggestions?
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You'll want to visit a local independent agent. This person knows the market in your area and can find a policy to fit your budget. Don't be afraid of a higher deductible. With most individual policies the deductible normally come into play when you go into the hospital. You have the doctor visits and well baby care without having to first pay the deductible; you'll just pay the co-pay. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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