One of my commenters mentioned that his health insurance costs $700, which is my entire minimum budget. Wow. I wonder why it is so expensive. I know he lives on the opposite side of the country and I think he lives in a big city so maybe those are factors. Pre-existing conditions probably have some effect. All I can think is it must be great insurance for that price.
In my minimum budget I have only $130 budgeted for monthly health insurance premiums. I got that number from doing a search on ehealthinsurance.com. Here are a few of the choices that I found.
I was looking for plans with a deductible of around $3,000 and that had a health savings account option.
I don't know anyone who has one of these plans. Maybe they are only smoke and mirrors. I had a temporary health insurance plan like this while I was inbetween jobs but I never used it so I can't say how useful it really was.
The other unknown factor is how the government health care will effect these kind of plans. It is hard to budget for such a huge question mark. This could mess up my entire plan. For planning purposes though, I will pretend that these plans are legitimate and that they would actually cover me in case of a major medical need. For the minor needs I hope I will still be able to use the CVS Minute Clinic type places to keep my costs to a minimum.