Well, I just turned 26. I'm no longer covered by my parent's insurance plan. I am just out of gradschool, currently seeking work. I need insurance.
Of course, I know nothing about insurance because I never needed it before now. Who studies the in's and out's of health insurance if they don't have to?
I am in excellent physical health, require no prescription medication, hale and hearty and all that jazz. I hate going to the doctor. The only medical need I foresee is attention after a crash, if I snap a collarbone, rib, or wrist.
I've been looking at plans online, and there's pretty much an inverse relationship with premiums and deductibles, makes sense to me.
I assume a low premium/high deductible plan is the sort of plan for me. The likelihood of a severe crash injury is pretty low. Am I reading this right?
(Hopefully) I'll only be out of work a little bit longer, so I won't need this for too long, but until then I'll need to purchase coverage. Any insight into the health insurance world you Salonistas can provide would be appreciated. Most of the lingo means absolutely nothing to me. Coinsurance? HSA? What would you do in my shoes?
Bookmarks