Tuesday, August 23, 2011

How much can my wife and I expect to be paying for private health insurance in the state of Nebraska? We're in

our mid 20's, in good health non-smokers.
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With all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. For example a typical broker can have access to 10 major carriers and 60 different plans just for one state. Be careful of people recommending ways to save on your You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best. I suggest using yellowpages.com to search for health insurance brokers in your area. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. With that said being in good health you should consider a high deductible plan with a health savings account. It can save you quite a bit on premiums and create a tax savings for the money you do spend on health care. Be careful of people talking about "alternatives to health insurance" they are usually trying to sell discount plans. These plans can be a good thing as long as you fully understand what you are getting ( a discount plan) and what you are not getting (health insurance).
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