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kaklesmay
Love my baby boy!
Member since 9/05 1151 total posts
Name:
Kim
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Health Insurance
Im getting everything in order to get married in 45 days.
So we dont qualify for low income assistance for health insurance (& both self employed)and my quotes are coming in at $900 / month for me & FH.
 We will never be able to afford a house
Any tips on low cost health insurance??? I havent been to the hospital in 10 years but eventually will be TTC so need to be prepared.
TIA!
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Posted 1/31/06 2:00 PM  |
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Long Island's Largest Bridal Resource |
PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: Health Insurance
You can try healthy New York. I did this for about a yr. It is all kinds of insurance plans at reduced rates for individuals or small businesses. I had no problem getting it. I had Aetna and it cost me 187 a month for single. It might be like 300 for a family. It was not hard to get. FM me if u want more info.
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| Posted 1/31/06 2:43 PM |
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CookiePuss
Cake from Outer Space!
Member since 5/05 14021 total posts
Name:
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Re: Health Insurance
Definitely look at Healthy New York. Also, keep in mind that as a self employed person, you get to write off all the health insurance premiums off the top of your tax return. You still have to lay out the money but it might be benefical by effectively lowering your mariginal tax rates.
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| Posted 2/1/06 2:53 PM |
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dandr10199
Grace is growing up too fast!
Member since 10/05 11561 total posts
Name:
Dina
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Re: Health Insurance
Posted by shamrock12472
Definitely look at Healthy New York. Also, keep in mind that as a self employed person, you get to write off all the health insurance premiums off the top of your tax return. You still have to lay out the money but it might be benefical by effectively lowering your mariginal tax rates.
I agree. Healthy NY was designed for the self employed.
Here is the link:
http://www.ins.state.ny.us/website2/hny/english/hny.htm
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| Posted 2/7/06 9:07 AM |
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luvsun27
Check out my cool glasses
Member since 5/05 8135 total posts
Name:
Kim
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Re: Health Insurance
Anyone know if they have something like this for NJ? I need to get insurance also....
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| Posted 2/7/06 9:20 AM |
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Michelina627
LIF Adult
Member since 2/06 1071 total posts
Name:
Michelle
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Re: Health Insurance
If you are self-employed and belong to a professional organization, that may also be a place to look - often you can get group rates this way.
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| Posted 2/27/06 8:25 PM |
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groovypeg
:)
Member since 5/05 2423 total posts
Name:
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Re: Health Insurance
i think with healthy NY you need to be within a certain income bracket.I know DH and I did not qualify.
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| Posted 2/27/06 9:51 PM |
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jmf423
:)
Member since 5/05 6372 total posts
Name:
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Re: Health Insurance
I was unable to get Healthy NY cause I made a hair over the minimum.....but I dod end up getting GHI hospital only coverage. I don't remember how much it was-but it was enough that I had something in case of emergency.
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| Posted 2/28/06 5:58 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: Health Insurance
I just looked at the rates and they are really bullsh!t. A family of two can't make over 33,000. Where can you even live on LI with that kind of salary. We struggle making more than double that! This state better come to it's senses.
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| Posted 2/28/06 6:08 PM |
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DjPiLL
Member since 5/05 3664 total posts
Name:
Richard
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Re: Health Insurance
Find a part time job that pays medical.
Starbuks is a good choice.
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| Posted 2/28/06 6:14 PM |
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CathyB
Member since 5/05 19403 total posts
Name:
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Re: Health Insurance
Posted by DjPiLL
Find a part time job that pays medical.
Starbuks is a good choice.
Home Depot and UPS also have medical for part timers.
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| Posted 2/28/06 6:15 PM |
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kaklesmay
Love my baby boy!
Member since 9/05 1151 total posts
Name:
Kim
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Re: Health Insurance
Posted by sarahsmommy
Posted by DjPiLL
Find a part time job that pays medical.
Starbuks is a good choice.
Home Depot and UPS also have medical for part timers.
Very true!!! ThX!
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| Posted 3/3/06 12:27 PM |
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dm24angel
Happiness
Member since 5/05 34581 total posts
Name:
Donna
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Re: Health Insurance
You can get "group" health insurance with a minimum of two people listed as working...do you each have each other listed as employees? What type of self employment do you do?
A group rate should not be $900.
I work in insurance and could probably see you with an HMO or a higher deductible policy as a group for less then $500 a month.
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| Posted 3/4/06 10:45 PM |
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oakslady
LIF Adult
Member since 8/05 969 total posts
Name:
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Re: Health Insurance
want to really laugh i pay that much a month just for me
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| Posted 3/28/06 1:49 AM |
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Nancy
LIF Adult
Member since 5/05 906 total posts
Name:
Nancy
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Re: Health Insurance
If you are self-employed, check the Chamber of Commerce in your area. You will have to pay a small fee to join (tax deductible) and verify your business...but you will get a "group rate." The rate isn't as good as working for a corp, but defintitely is much better than paying out of pocket.
For family coverage, we pay about 600/month. Sure beat the 1800 we were going to have to pay a month.
I agree, Healthy NY doesn't help much at all. Insurance in general is insane.
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| Posted 3/28/06 3:58 PM |
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