School me on some Health Insurance Info

There are companies that specialize in insurance for self-employed people . I am sure there are some that are not trustworthy and might steal your money by not covering you as well as you could be . It has been years since I had to find coverage when I was self-employed .
Perhaps the Better Business Bureau can help you , or an insurance association in your area .

Do you have any idea on how much it will cost on a per month basis? Just ball park figure?

I used to spend $100-$200 a month , but I had a wife and 2 kids on it and it was 25 years ago .
I think I can find you some info . Non-smoker ? It makes a huge difference .
No medical problems right now ? That makes a big difference also .

Google has plenty - here is one in Georgia Self Employed Insurance Advantages for Georgia Residents
And one in Alabama AL Health Quote

In order to get a quote you have to give them lots of info . You need better advice than I can give you . The level of coverage you may want is a determining factor in the cost .

I don't smoke and I am in good health. Thanks for your help so far

Outside of employer-provided insurance , you will have to do a lot of footwork to find good coverage that fits you and that you can afford .

Four years ago , when the company I worked for lost their contract and I went to work for the new company , I had to enroll in COBRA during the 90 day waiting period . That cost me $250 a month with only me on the policy .
The weekly cost under the policy after that it is about $90 a month taken out of my paycheck , and that is still with only me on the coverage .

Around my area you can expect to spend a lagit 350/4 bills a month on something considered "full coverage."

Self employed means mo money, mo money. Either that or marry some one that works for a state or fed government, LOL.

350/400 is crazy for health insurance. Blah

I used to help administrate insurance for an employee leasing company, Maybe I can give you a few pointers

There are a ton of possibilities out there for you Brent. Since you're male, 21 and are healthy, you will have the cheapest rates of all.

Aetna e-insurance can find you companys/policies to look at.

I put in a zip code for Huntsville and your age. It gave me several policies for around $40 bucks a month.

You need to decide what you can pay a month and go from there. The bigger your deductible the smaller your payment. Make sure your deductible is going to be somewhat easy to pay. Sometimes there is only a $5 to $10 a month difference in a $2500 to $5000 annual deductable.

Since you say you are in good health then catastrophic coverage may be good for you. It usually won't cover doctor visits or prescriptions but if you get in an accident, paying $5000 is better than $50,000.

Take a good long look at this link https://www.ehealthinsurance.com/ehi/Alliance?allid=Aet24730

Put in your info and see the choices. You need to look at the following.

1. See what policies are the best match for your needs. What you can afford monthly verses the deductable and coverage.

2. Do you need prescription coverage if you are in good health? Prescriptions cost can kick your arse.. even a simple antibiotic.
Some of the meds I need to live are $11.00 a month.. some are $400.00

3. Make sure the policy is accepted by the Doctor you want. If it is, make sure the doctor is taking new patients. Call and Ask the doctor dont rely on what the website tells you. What the doctor does or doesn't do changes all the time and the web administrator doesnt have time to change all the info.

4. If you choose a Doctor, make an appointment ASAP to get aquainted even if there is nuttin wrong. There is usually a long waiting period for new patients.

5. Remember, ALL insurance companies suck at one thing or another you will find complaints about all of them. Research is your friend

Anywhoooooo... lemme know if you have any questions. PM me or I'll be glad to talk to you by phone if ya want.

Thanks a ton I will look at this!