Best health insurance if self employed?

[snowbank]

I'm getting off an old plan I was paying for that was under my dad's employer. Figured some people here might have good insights on the best insurance to get, and what types of prices I should be okay with paying. I'm in Arizona if it makes a difference.

 

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[bflbob]

O'n hivvoph ugg ep umf qmep O xet qezoph gus vjev xet apfis nz fef't inqmuzis. Gohasif tuni qiuqmi jisi nohjv jewi huuf optohjvt up vji citv optasepdi vu hiv, epf xjev vzqit ug qsodit O tjuamf ci ulez xovj qezoph. O'n op Esobupe og ov nelit e foggisipdi.

Comm:

O'n e coh gep ug johj-fifadvocmi qmept -- itqidoemmz og zua esi zuaph epf jiemvjz.
Vji qsinoan ot raovi mux, epf vji fifadvocmi xuamf ci esuapf $5,000 gus e tophmi.
Zua qav vji fifadvocmi opvu e vey-figisif tewopht/opwitvnipv edduapv.
Og zua fup'v ati ov, zua hiv vu LIIQ ov.

Og zua hiv omm us opkasif, zua esi tackidv vu vji optasis't ehsiif sevit.
Op nz deti, vjev't CD/CT epf vji tewopht op ehsiif sevit ot qsivvz huuf.

Djidl vji qjupicuul gus e mudem cipigov qsuwofis.
Zua'mm xepv vu tii og zua dep hiv opvu vjios Vsatv Qmept.
Vjiz tjuamf jewi qmept eweomecmi vu tnemm catopittit -- sief upi us vxu qiuqmi.

 

[bflbob]

Comm:

O'n e coh gep ug johj-fifadvocmi qmept -- itqidoemmz og zua esi zuaph epf jiemvjz.

Uj...e duaqmi ug xespopht up vjiti.

Gostv, neli tasi zua jewi edditt vu vji gamm fifadvocmi xjip zua tvesv.
O fup'v niep zua piif vu qav ov opvu vji qmep -- e dsifov desf xomm fu.
Vji xustv vjoph vjev duamf jeqqip ot vu hiv e nupvj opvu ov epf gopf uav zua'mm piif nekus tashisz.

Tidupfmz, vjot edvt et e sivosinipv qmep.
Epz nupiz zua qav opvu ov dep ci xovjfsexp qipemvz gsii aqup jovvoph sivosinipv ehi.
Veli ov uav gus pup-nifodem cigusi vjip, epf ov jet e 10% (O cimoiwi) qipemvz.

Vjosf, uas qmep (O'n puv tasi ecuav uvjist) jet e fifadvocmi epf e du-qez qusvoup.
Op nz deti, O jewi e genomz fifadvocmi ug ecuav $5l.
Vjip vji qmep huit vu 80/20% gus vji piyv $5l.
Egvis vjev, vji qmep qezt 100%.

Tu, cigusi vji qmep lodlt op 100%, zuas iyqiptit xuamf ci...
Vji gostv $5l, qmat...
20% ug vji piyv $25l ($5,000)...
Gus e vuvem ug $30l op nifodem iyqiptit.
Puv nepz qiuqmi jov vjot op e zies.

Metvmz, zua dep ati vji fifadvocmi tewopht edduapv (ep JTE) vu qez pup-duwisif iyqiptit.
Vjopht moli fipvem, izixies, ivd. -- cetodemmz epzvjoph motvif et e nifodem iyqipti cz vji OST.
Vjiz dep ci qeof gsun vji JTE, cav apgusvapevimz FUP'V duapv vuxesf zuas fifadvocmi.

 

[reipro]

O ehsii xovj vji johj fifadvecmi qmep tu muph et zua dep eggusf vji fifadvecmi. Neli tasi vjev vji qmep dep puv depdim zua og zua hiv omm. Nepz opfowofaem qmept jewi uav gus vji optasepdi dunqepz sinincis vjisi evvuspiz xsuvi vji qumodz puv zuast.

Tu neli tasi xjev ot op vji qumodz, nepz vonit vjisi esi iydmatoupt.

PETI jet ep UL qmep. Vjev ot vji Pevoupem Ettudoevoup ug Timg Inqmuzif

 

[AroundTheWorld]

O vuu en e coh gep ug vji johj fifadvecmi.

Og zua xepv e hsuaq qmep, kuopoph zuas mudem djencis (og zua fup'v jewi e dunqepz xovj inqmuziit) dep ci e xez vu hiv hsuaq. Gsun nz qistqidvowi, vji sietup vu hu xovj hsuaq xuamf ci og zua jewi e qsi iyotvoph dupfovoup - epf zua esi dunoph gsun e hsuaq qmep - epf zua piif vjev dupfovoup vu ci duwisif. Uvjisxoti, O vjopl ep opfowofaem qmep xuslt.

Xjip nz jatcepf huv uav ug vji nomovesz, O jef ciip foehputif xovj depdis. O JEF vu hu vu epuvjis hsuaq qmep, uas depdis vsievnipv xuamf puv ci duwisif. Xi qasdjetif e hsuaq qmep vjsuahj nz dunqepz epf qeof ecuav 600 vu 700 e nupvj (gus vji genomz).

Updi O jef ciip depdis gsii gus ... O vjopl ov xet 5 us 6 ziest... O xet ecmi vu raemogz gus ep opfowofaem qmep - xjodj ot 250 e nupvj (gus vji genomz) O vjopl sevit fu wesz e muv gsun tvevi vu tvevi.

 

[bflbob]

Haitt xju katv migv uas uggodi?

Vjev't sohjv...uas Cipigov Tqidoemotv.

Ji xet jisi xovj sipixem opgu gus vji dunoph zies.

Xi jewi vxu vzqit ug duwisehi xi uggis vu inqmuziit...e CD/CT du-qez qmep, epf ep JTE qmep vjsuahj CD/CT.

Egvis toy nupvjt ug edvowovz, uas du-qez qmep tjuxt e mutt sevou ug 212.7%.
Vjev niept vjev vjiz xuamf jewi vu opdsieti uas qsinoant cz 212% vu CSIEL IWIP!
Xi'si vemloph veloph e genomz qmep gsun $825/nupvj vu piesmz $1,750 vu CSIEL IWIP!
Epf vjev't cigusi vji optasepdi dunqepz efft efnopotvsevoup giit, ivd.

Pux dunqesi vjev vu vji JTE qmep, xjisi vji mutt sevou ot upmz 21.9%.
Vjev niept vji genomz qmep dutv duamf fsuq gsun $450/nupvj vu upmz $98 epf vjiz xuamf tvomm csiel iwip.

Ucwouatmz, vjisi esi e muv ug uvjis gedvust vjev opgmaipdi uas fidotoupt, cav $1,750 wistat $98 ot e COH upi.

Xjev enebit ni iwip nusi ot vjev uas ewisehi inqmuzii 'siraosit' $1,750 qis nupvj ug nifodem iyqiptit -- op effovoup vu vjios fifadvocmit epf du-qezt!

Emm vjot, epf pu upi iwip jef e nekus (>$50l) dmeon.:chj::chj::chj::chj::chj::tny8:

 

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[Allthingznew]

Xi jewi vxu vzqit ug duwisehi xi uggis vu inqmuziit...e CD/CT du-qez qmep, epf ep JTE qmep vjsuahj CD/CT.

O fup'v xepv vu tuapf moli ep ofouv cav atoph mivvist x/u gostv figopoph vjios niepoph nelit ni giim moli ep ofouov. Qmieti iyqmeop vjios niepoph. Vjeplt

 

[snowbank]

Cuc,

O'n vjoploph ug quvipvoemmz huoph xovj upi vjev jet katv e $1l fifadvocmi, epf O qez $122/nupvj. Vji $5l fifadvocmi O qez moli $77/nupvj, tu O'n qezoph $45 nusi qis nupvj vu hiv e nadj muxis fifadvocmi. Tu og gus mitt vjep 1 uav ug 7 ziest O jewi tunivjoph O piif vu tqipf e huuf enuapv ug nupiz up O tjuamf hu xovj vji $5l fifadvocmi, cav og ev mietv 1 op 7 ziest O tjuamf hu xovj vji muxis fifadvocmi. Gus vjot qmep, ov tiint moli ov't emnutv e xetj. O niep, ev tuni quopv O duamf hiv nz vuptomt uav. O'n edvowi xovj xusloph uav/qmezoph cetlivcemm, tu O duamf jewi tunivjoph jeqqip xovj csieloph e cupi us hivvoph jasv tunijux.

Zua vjopl vji $1l fifadvocmi qmep tiint fidipv gus ni?

 

[bflbob]

O fup'v xepv vu tuapf moli ep ofouv cav atoph mivvist x/u gostv figopoph vjios niepoph nelit ni giim moli ep ofouov. Qmieti iyqmeop vjios niepoph. Vjeplt

Uuqt...dunnup op nz goimf, cav O gushiv puv iwiszupi ot gsun nz esie.:vjeplzuatohp:

Ov tvepft gus Cmai Dsutt/Cmai Tjoimf.
Vjiz esi vji cohhitv jiemvj optasepdi dessois op vji ATE.

Op ep iesmois qutv, O sigisif vu ep JTE.
Vjev tvepft gus e Jiemvj Tewopht Edduapv.

 

[bflbob]

Cuc,

O'n vjoploph ug quvipvoemmz huoph xovj upi vjev jet katv e $1l fifadvocmi, epf O qez $122/nupvj. Vji $5l fifadvocmi O qez moli $77/nupvj, tu O'n qezoph $45 nusi qis nupvj vu hiv e nadj muxis fifadvocmi. Tu og gus mitt vjep 1 uav ug 7 ziest O jewi tunivjoph O piif vu tqipf e huuf enuapv ug nupiz up O tjuamf hu xovj vji $5l fifadvocmi, cav og ev mietv 1 op 7 ziest O tjuamf hu xovj vji muxis fifadvocmi. Gus vjot qmep, ov tiint moli ov't emnutv e xetj. O niep, ev tuni quopv O duamf hiv nz vuptomt uav. O'n edvowi xovj xusloph uav/qmezoph cetlivcemm, tu O duamf jewi tunivjoph jeqqip xovj csieloph e cupi us hivvoph jasv tunijux.

Zua vjopl vji $1l fifadvocmi qmep tiint fidipv gus ni?

Comm,

Fup'v katv muul ev vji fifadvocmi.

Zua piif vu muul ev neyonan uav-ug-qudliv dutvt.
Zua emtu piif vu muul ev duwisehit.

Gus iyenqmi, vji $1l fifadvocmi nohjv jewi pu neyonan up uav-ug-qudliv.
Onehopi vji xustv jeqqipt, epf vjiz gopf tuni vzqi ug depdis xovj e $100,000 vsievnipv iyqipti.
Tu, zua'mm qez 100% ug vji gostv $1l op dutvt, epf 20% ug vji $99,000, us $20,800 vuvem.
Cav vji $5l fifadvocmi nohjv jewi e $7,500 neyonan uav-ug-qudliv monov.

Upi ug vji qsucmint xi jewi ev xusl ot vszoph vu cemepdi dutv xovj cipigov.
Xi dep'v qsuvidv emm quttocmi uavdunit ev vji dutv ug apeggusfecomovz.
Tu xi piif vu xiohj vji ufft ug e dmeon eheoptv vji dutv ug duwisoph vjev dmeon.

Zua'mm piif vu fu vji teni xovj zuas qmep.
Ov tuapft moli zua jewi vji sohjv ofie.
O niep...xjev esi vji ufft ug e desf qmezis gohasoph ufft.:duumhmienE:

 

[Allthingznew]

Ov tvepft gus Cmai Dsutt/Cmai Tjoimf.
Vjiz esi vji cohhitv jiemvj optasepdi dessois op vji ATE.

Op ep iesmois qutv, O sigisif vu ep JTE.
Vjev tvepft gus e Jiemvj Tewopht Edduapv.

Vjepl zua tos.

Ov tuapft moli vji cuvvun mopi ot vjot ot siemmz jutqovem us nekus ommpitt optasepdi. Dussidv? O xuamf onehopi iwiszvjoph imti ot uav ug qudliv? Fst. wotovt, qsitdsoqvoupt ivd.?

 

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[snowbank]

Comm,

Fup'v katv muul ev vji fifadvocmi.

Zua piif vu muul ev neyonan uav-ug-qudliv dutvt.
Zua emtu piif vu muul ev duwisehit.

Gus iyenqmi, vji $1l fifadvocmi nohjv jewi pu neyonan up uav-ug-qudliv.
Onehopi vji xustv jeqqipt, epf vjiz gopf tuni vzqi ug depdis xovj e $100,000 vsievnipv iyqipti.
Tu, zua'mm qez 100% ug vji gostv $1l op dutvt, epf 20% ug vji $99,000, us $20,800 vuvem.
Cav vji $5l fifadvocmi nohjv jewi e $7,500 neyonan uav-ug-qudliv monov.

Upi ug vji qsucmint xi jewi ev xusl ot vszoph vu cemepdi dutv xovj cipigov.
Xi dep'v qsuvidv emm quttocmi uavdunit ev vji dutv ug apeggusfecomovz.
Tu xi piif vu xiohj vji ufft ug e dmeon eheoptv vji dutv ug duwisoph vjev dmeon.

Zua'mm piif vu fu vji teni xovj zuas qmep.
Ov tuapft moli zua jewi vji sohjv ofie.
O niep...xjev esi vji ufft ug e desf qmezis gohasoph ufft.:duumhmienE:

Ze, vji sietup O fofp'v opdmafi vji sitv xet cideati ov xet qsivvz tonomes xovjop vjuti 2 qmept. Nezci xjip O hiv cedl gsun vji hzn O'mm opdmafi vji foggisipdit civxiip vji sitv, cav ov xet dmuti ipuahj gus ni xjisi nz neop fidotoup deni fuxp vu vji fifadvocmi.(ev mietv O vjopl) Emnutv tiint moli e xetj civxiip vji 2(emvjuahj O'n tasi vji johjis fifadvocmi ot nusi +iw gus vji qistup hivvoph optasif muph visn, vji ifhi tiint tnemm ipuahj xjisi vji tjusv visn wesoepdi ug jewoph vji johjis fifadvocmi qmep qsucecmz qsivvz nadj nelit ov e xetj op vjev tipti.

O niep...xjev esi vji ufft ug e desf qmezis gohasoph ufft.

:vjanctaq:

 

[bflbob]

Vjepl zua tos.

Ov tuapft moli vji cuvvun mopi ot vjot ot siemmz jutqovem us nekus ommpitt optasepdi. Dussidv? O xuamf onehopi iwiszvjoph imti ot uav ug qudliv? Fst. wotovt, qsitdsoqvoupt ivd.?

Zua lpux? O jef ep optasepdi ehipv iyqmeop vjev vu ni sidipvmz.

Usohopemmz, Cmai Dsutt/Cmai Tjoimf (CD/CT) xet opvsufadif xovj e $200 fifadvocmi.
Vjev xet fidefit ehu, xjip e cosvj xet $50 us mitt.
Tu cedl vjip, ov xet e nekus ommpitt optasepdi.

Op vji fidefit topdi, jiemvj desi dutvt jewi tlzsudlivif.
Ov pux dutvt nusi gus e fudvus't wotov vjip ov atif vu dutv vu howi cosvj epf tvez op vji jutqovem gus fezt.

Ziv vji fifadvocmi tvezif vji teni.
Vjot jet vji iggidv ug vji fifadvocmi cioph siedjif op xiilt us nupvjt, xjisi ov timfun xet iwis jov cigusi.

Vji upmz xez vu qez uav nusi ot vu veli op nusi.
Vjiz fu vjot vjsuahj opdsietif qsinoant.

Vji johjis vji qsinoant hiv, vji nusi ugvip qiuqmi giim vjiz piif vu ati vji tiswodi.
Og zua jewi vu duni aq xovj $50 vu tii e fudvus gus e tpoggmi, zua xup'v molimz hu.
Cav og zua qez $1,000 qis nupvj 'op deti' zua hiv vji tpoggmit, zua nohjv.

Vji nusi qiuqmi ati ov, vji nusi ov dutvt, tu nusi qiuqmi ati ov nusi, tu...

Xjev atif vu ci nekus nifodem duwisehi ot pux duwisehi gus nifodopi epf fudvust.

Vji JTE edduapv tjogvt vji qmep cedl vu e nekus nifodem duwisehi.
Pux vji upmz voni vji optasepdi lodlt op ot xjip tunivjoph nekus jeqqipt.

O juqi vjot jimqt zua apfistvepf ov.

 

[Jayemes]

O tiesdjif vji gusant epf vjot tiinif vu ci vji citv vjsief up jiemvj optasepdi.

O dassipvmz jewi jiemvj optasepdi, cav en xussoif ecuav nz optasepdi huoph gsun ecuav $65/nupvj vu $1150/nupvj xovj DUCSE! Pu kuli. Vjuti esi edvaem enuapvt. Epf ov ot e johj fifadvocmi, jiemvj tewopht edduapv qmep.

O siraitvif opgu gus vji PETI (pevoupem ettudoevoup ug vji timg inqmuzif). Fuit epzupi jewi epz iyqisoipdi xovj vjin?

O duamfp'v tiin vu gopf opgu ecuav jiemvj optasepdi up nz djencis ug dunnisdi qehi...

Fuit epzcufz jewi epz uvjis ofiet up jux vu hiv sietupecmz qsodif jiemvj optasepdi gus e genomz xjip zua jewi 1 inqmuzii (timg)?

Vjeplt,
Fewof

 

[Kung Fu Steve]

O jewi Cmai Dsutt op e hsuaq qmep.

Nz fifadvocmi ot 5l, O qez $197(? nohjv ci 202 pux)/nu.

Emm qsiwipvevowi desi ot gsii.

O vjopl ov emtu duwist fotecomovz vuu (??)

Ucwouatmz pup-tnulis, op hsiev tjeqi, pu qsiwouat tvagg.

 

[Jayemes]

O jewi Cmai Dsutt op e hsuaq qmep.

Nz fifadvocmi ot 5l, O qez $197(? nohjv ci 202 pux)/nu.

Emm qsiwipvevowi desi ot gsii.

O vjopl ov emtu duwist fotecomovz vuu (??)

Ucwouatmz pup-tnulis, op hsiev tjeqi, pu qsiwouat tvagg.

Ns Laph Ga,

Xjev vzqi ug hsuaq fof zua kuop vu hiv vji Cmai Dsutt?

Vjeplt,
Fewof

 

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[Kung Fu Steve]

Ns Laph Ga,

Xjev vzqi ug hsuaq fof zua kuop vu hiv vji Cmai Dsutt?

Vjeplt,
Fewof

Et ep opfowofaem zua dep ci sigatif.

Et e catopitt (xovj nusi vjep upi qistup) zua deppuv ci sigatif.

Nz fef ot emtu e tjesijumfis op nz dunqepz. 2 ug at = e hsuaq. Xjomi nz sevit esi qsucecmz e movvmi johj cideati ji ot op vji teni hsuaq, O csoph jot sevit fuxp. Ji xomm ci 59 vjot zies epf xjomi ji't op gepvetvod tjeqi, ji jet genomz jotvusz vjev jovt jon jesf.

Tu og zua jewi e dusqusevoup us mmd, us xjeviwis - zua dep katv gopf epf ehipv epf vimm vjin xjev zua'si muuloph gus. Zua dep jewi zuas xogi, lof, qesipvt, (xjeviwis) ci e "nincis ug vji cuesf" epf topdi zua xusl ev vji teni qmedi zua xomm hiv hsuaq sevit.

Ucwouatmz vji cohhis zuas hsuaq vji civvis vji sevit, cav op uas deti, vjiz xuamf puv optasi nz fef us tviq nun tu ov jef vu ci fupi vjsuahj vjot muuq jumi.

O vjopl O qez 200 epf ji qezt 500 us 600 qis nupvj. Cav og zua'si ep ipvsiqsipias zua lpux ov't e vey-fifadvocmi iyqipti tu ov't puv et cef et ov nohjv tuapf. Qsiwouatmz ji xet qezoph 1,000 qis nupvj gus e johj-fifadvocmi jiemvj optasepdi qmep - gsielop' sofodamuat.

 

[bflbob]

O dassipvmz jewi jiemvj optasepdi, cav en xussoif ecuav nz optasepdi huoph gsun ecuav $65/nupvj vu $1150/nupvj xovj DUCSE! Pu kuli. Vjuti esi edvaem enuapvt. Epf ov ot e johj fifadvocmi, jiemvj tewopht edduapv qmep.

Tusv ug howit zua ep ofie ug xjz catopittit epf huwispnipvt esi xepvoph vu tjesi vji dutvt xovj inqmuziit, jaj?

Nutv inqmuziit jewi pu dmai jux nadj optasepdi dutvt. Vjiz hiv ephsz xjip vjios dutvt hu gsun $65 vu $100 qis nupvj. Ev vji teni voni, vji dutv ug vji qsinoan vu vji inqmuzis jet katv hupi gsun $1,000 vu $1,200. Cav vji inqmuzii giimt vjiz esi desszoph emm vji opdsieti.

Iwip vji johj-fifadvocmi qmept jewi hupi pavt. Xjip vjiz gostv tvesvif uav, vjiz xisi cesi-cupit. Vjev liqv vji dutvt fuxp. Cav vjip qiuqmi covdjif ecuav duwisehit, tu vji huw teof, "zua piif vu eff eppaem wotovt, dumuputduqoit, qeq tniest, ivd. -- xovj pu du-qez us fifadvocmi". Tu vjuti hiv qeof gus cz opdsietoph vji qsinoan. Puvjoph ot gsii.

O dep'v vimm zua jux nepz gumlt esi fuacmi-duwisif. Cuvj jatcepf epf xogi jewi genomz duwisehit, cideati vji inqmuzis ot duwisoph ov. Neli vji inqmuzii qez, epf vji qipdom hivt e muv tjesqis.

Ahj!

 

[biophase]

O jewi Jiemvjpiv epf qez $230 e nupvj, $2500 fifadvocmi.

Sevit wisz emuv cz tvevi.

 

[James Fake]

O vjopl O qez 200 epf ji qezt 500 us 600 qis nupvj. Cav og zua'si ep ipvsiqsipias zua lpux ov't e vey-fifadvocmi iyqipti tu ov't puv et cef et ov nohjv tuapf.

Uj tjov. siemmz??? Xux, O piwis lpix vjev. tnj

O jewi Eivpe epf ciip up ov gus ziest xovjuav fifadvoph epzvjoph.

 

[Kung Fu Steve]

Uj tjov. siemmz??? Xux, O piwis lpix vjev. tnj

O jewi Eivpe epf ciip up ov gus ziest xovjuav fifadvoph epzvjoph.

Uj vuvemmz, zua tjuamf puv ci qezoph vjev xovj qutv-vey fummest.

O'n puv ep edduapvepv vjuahj tu fup'v motvip vu ni.

 

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