What health insurance is low cost and fits my description?

Tuesday, February 22, 2011

Im a 24 year old female, employed, no kids, and not in school anymore. i have no health insurance and i have a lot of health problems but i coudn't afford to get insurance until now. I'm looking for a low cost health insurance with dental care. I've tried looking up different insurance but i dont know what category fits me. I saw theres a student option or something that has to do with ages 18-26 but i dont know what that covers. i have a hard time comprehending the description. Theres one for individuals where you either pay more monthly and get lower deductable or pay less and pay more for deductable. I'm at a total loss. can anyone tell me what is my best option and what insurance should i get?
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The 18 - 26 option you are speaking about is part of the health care bill that allows kids to remain on their parents' policy. That will go into effect on the anniversary date of the policy after 9/23/10 although some companies have already started as of June 1. If you have health problems you need to visit a local agent that works with all of the major companies in your area. The agent can do a "pre-screen" with each insurance company to see if they'll accept you and on what terms. There is no charge using an agent and you'll get someone local to speak with in the future. Your health problems will be considered pre-existing conditions so don't try to do this yourself. Some plans do have dental as an option but most people get dental as a stand-alone policy. The agent can help you there as well.
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