Cost of USA medical insurance?
I am moving to the USA with my husband and am wondering how much it would be for me on my own and for us as a couple. Do most people have insurance?
I only want to be covered in case I have an accident, I am in extremely good health and so is my husband.
We are both self employed so we would be paying it all ourselves.
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August 19th, 2010 at 1:27 pm
Only the rich have adequate coverage. For example Magic Johnson is the only fat guy I have seen with AIDS
August 19th, 2010 at 2:18 pm
It really depends on your age and level of coverage. My husband pays $245 a month and has to pay $50 for each office visit and 100% of prescription costs. I am a few years younger and have a different plan that costs $200. I pay $40 a visit, have $10 co-pays but I also have a 10K annual out-of-pocket expense…good luck!
August 19th, 2010 at 2:41 pm
On top of the hundreds of dollars a month, they won’t even give you coverage if you’ve ever been sick. Like, if you were treated for depression once in your life, they will deny coverage. So if you are both perfect, and always have been, it should only be around $300 a month with co-pays and lucky you if they cover your prescriptions.
August 19th, 2010 at 2:47 pm
American Express is offering medical cover for expat:
http://www.financecomparator.co.uk/healthinsurance.html
(bottom of the page)
About £100 per month for both of you seems something realistic.
All the best
August 19th, 2010 at 3:16 pm
Zoe:
the cost of medical insurance in the United States varies very widely between different insurance companies, as well as your employers contribution. It is fairly uncommon for people to buy health insurance by themselves. It can be done but it is much less common than getting health insurance through your employer. Typically for a small family you will be spending a few hundred dollars per month on health insurance, it can be somewhat cheaper for just a single person but either way it is not cheap by any stretch of the imagination.
gearys 79 answer is less than fully accurate. It is not true that only the rich have adequate coverage. When I was working as an auto mechanic I had no difficulty paying for health coverage, my friend who is a machinist is able to afford health insurance. His allegation that Magic Johnson is the only “fat guy” he has seen with AIDS suggests to me that he hasn’t seen many people with AIDS. I don’t work for an insurance company nor my specifically a giant fan of them. However at $2000 for an MRI health care costs can get quite high. And it’s not like you can be extra stingy with MRIs or other tests or the patient/patients family sues for millions and the costs still go up.
August 19th, 2010 at 3:45 pm
Yes most people have insurance because if you don’t you could lose most of your assets.
You need a zip code for where you’re moving but you can use the tool on my site for quotes.
http://www.InsurancePickle.com
What it cost depends on where you’re moving, your age, your health and the plan you’re buying. The cost could be anything from $100-$1000/month…Just depends.
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