I'm in school and work part time,,therefore no health insurance.  I see a few online, but they cost a fortune for one person.  I realize some are regional also.  I'm in Colorado,,very Republican,,they don't care much about us poorer folks.  My kids are grown,,so it's just for me.
213010
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
26695
Well, none of us knows what we might face in life, and the whole insurance market is a numbers game anyway.  The vast majority of premiums  (those paid by an individual and their employer) cover people who will not get chronically ill.  Those individuals' payments far outstrip the actual health care costs they will incur over a lifetime, and they subsidize the poor unfortunates who end up with rare and expensive diseases.  That's the whole point of insurance in the first place--to cover people's medical costs who could otherwise not do so themselves.  \n\nInsurance companies regularly cap coverages, disallow procedures they deem not medically necessary, and sometimes refuse to pay in circumstances where the covered individual was at fault for the injury/disease (not wearing a seat belt, suicide attempts, etc.)  But going down the path of covering only select diseases is taking things a bit too far I would say.  In effect, the company in question would be saying "You're a hemophiliac?  Oh man, that's a shame.  Good luck on that not dying thing dude."  Of course we'd (as taxpayers) pick up the tab for all the emergency room visits the uninsured hemophiliacs would make, and that emergency-care-only approach may turn out to be far more expensive than covering the regular treatment and drugs which might prevent the emergencies in the first place.\n\nAlthough I can see the logic of your argument, I can't say that it strikes me as a good idea.  I think there may in the end be less savings than first meets the eye, and that our society has a certain self-interested obligation to take care of those people who are in need.
628279
I am Canadian - I booked an apointment with my dentist last week and will see her next Tuesday.  By the way, Dentists are not covered under Canadian Health Care - never have been, unless it is as a result of an accident, a workplace injury, you are on social assistance, or you have a disability.\n\nMy son was born premature - 2 1/2 months - I did not have to wait for care - he is a healthy and educated 20 year old - and I did not receive a bill for one cent even though i do not have an insurance policy.  My doctor told me that in the US, he was a "million dollar" baby.\n\nMy brother required knee replacement surgery - every step of that process, from pre-op apointments with the best specialists (of his choice I might add - no one tells us who to see) through home care to perform rehab after surgery was completed within 3 months of the first visit and did not cost us one penny - with or without insurance.\n\nI had Leukemia (chronic myleogenous) and chose to go to whatever doctor and hospital I wanted, free of charge, in whatever city in Ontario had the shortest wait time - all free of charge, including the cost of gas or airfare if necessary to get to the appointments.\n\nI haven't had to wait 2 months, let alone a year, at all - although it does happen and it is not good when it does.  I also don't have to fork out one single penny to be seen by the best heart/lung/cancer specialist in the country, they are accessible to everyone regardless of income.\n\nI have a step-sister in LA - she relies on Medicare - she says it is appalling in the US if you don't have private insurance -it's kind of hard to describe what is wrong to the clinic doctor, who didn't speak english, after a 7 hour clinic wait!  Even if you have insurance , you probably have an HMO - a group of non-professionals with little or no medical training who are deciding who you can see, what they will treat, and which hospital you can go to.\n\nYou're trying to tell me that is better??
250055
I have medical health and dental insurance now but not always. I think that I get better treatment and have more options available to me by having insurance. I also think that it depends on how good your insurance is too. If you have crappy health insurance that doesn't cover much then you may as well not have insurance at all. It is a big game with the providers and they are all in it for the money. Some insurance companies bargain with health care facilities and will only pay a certain amount where as some insurance will cover at 100%. Which person do you think they'll kick out of the hospital faster? The one that either can't afford it or they are making little money OR the one that they are getting their whole costs paid?\nSad but true. Scandalous actually but this has been an issue for years. The cost of insurance keeps rising because people that don't have insurance usually don't pay their bills or can't pay them in a timely manner so the person who can afford insurance ends up paying for it with higher premiums or deductibles,etc...
155898
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".
36562
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
624091
I see your frustration .  I too worked with those who needed benefits for health care. You meet many good poor people who need help and when you can help it doesn't matter what race they are. But our programs are geared more to foreigners (they are alone from family here, lack education, need help) than Our Own--who do suffer and can not use programs because they don't qualify. Its a point system and foreigners get some just because we allow minorities extra points (which has merit). I agree those here are the overlooked and I do feel they should be first. What Mother doesn't protect her own?
476151
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health.  It was a simple online process.  I remember it being affordable.  I cannot speak for how good it is, because thankfully, I did not need to use it.  After 6 months, it expired and that was it\nhttps://www.temporaryinsurance.com/stm/(nzuznvznzbxmqe55raetbozl)/GetQuote/\n\nIf I just graduated, I would take a serious look at this site.  They seem to specialize in students.\nhttp://www.gradmed.com\n\nJust make sure you read what they will not cover.  For example, don't get pregnant.\n\ngood luck\n\n.
600249
You probably don’t fulfill the age requirement in your state for Medicaid, especially if you are a dependent and your parents have their own health insurance. Here are few ideas (links are in Sources section):\n\n1.Check again with your college. Even if they don’t have a student health plan for all full-time students (and they really should), they should be able to point you in a good direction.\n2.Your parents: If you can’t afford $65 a month for health insurance, ask your folks. Insurance companies are targeting people in your situation with plans with low monthly premiums, high deductibles. Tonik, by Blue Cross Blue Shield, for example, has rates typically lower than $100 a month with several doctor visits a year, vision, and dental coverage.\n3.Medicaid: Like I said, you probably don’t qualify, but you can check it out by calling your state Medicaid office.\n4.Call your state insurance department. They might have state-sponsored insurance for residents. Again, unless you are already disabled or severely ill, you may not qualify.\n5.Local state-licensed health insurance agents. They’ve helped people like you before and should be able to quickly tell you what to expect from getting insurance on your own (link below).\n\nGood luck. Hope this helps.\nBarnes@MostChoice
424181
Sadly there likely is a website explaining the very thing you ask.  However I would caution you in doing so.  Your writing structure is decent so I'm guessing you are educated to some degree and either trying to make a statement or just have shitty insurance.  Could be you are just a regular middle class person like myself who is frightened to go to the doctor in fear of having to take a second mortgage out on your house to have any medical procedure done.  I think your question belongs before the house of representatives, not in this forum.  There are millions, no probably more than that, Americans in the same situation asking themselves the same question.  Pathetic really and very very sad.
451008
Just call around... Just ask if they use the sliding scale for uninsured people.  I went to one that normally charges $120 an hour but I wasn't working at the time and could only afford $40 and he agreed to see me. So just call around and state your situation and I'm sure people would help you out.
161064
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
82127
Very very hard, not only in Ohio but any state for that matter.  Of course it is always a matter of money, which in your case can become totally out unless you have millions.  Contact Blue Cross/Blue Shield or simiar in Ohio for guidance and more IMPORTANT contact your state Department of Health.  In most states there is a set up that provides "private" health insurance through a pool for people that have conditions not acceptable through the regular companies....of course its expensive.  In most cases they are set up by a pool of health insurance companies.  For example Texas has that set up.
49589
I am a consultant who earns $75 an hour and have not had insurance for years.  It is not an issue to me.  The issue of the next election should be centered around governments interference in our lives.  Smaller government, less taxes & obliteration of family court.
181921
It is not the governments job to take care of people! This country was built on the rugged individual and not the nanny state. I would never want the government to think it knows what is best for me. There is nothing stopping people from seeing a doctor and making payments. \nMy father had no insurance for years with us 7 kids and that's how they made it work. We have it so much better in this country than anywhere else in the world. When you grow up you will realize this.
522433
If they wanted you to have health care, they would give it to you in some way that was affordable and effective.  The fact is, in their paradigm, if you cannot afford it, you shouldn't have it.  It is difficult to accept this as reality, but it is true.  They say they are pro-life, but as you show here, when it comes to supporting life, they are nowhere to be found.  That is their health care plan.
642800
Maine has to have some low or no cost clinics available for people with your situation.  You also lucky to live so close to Canada if you could.\n\nCheck out some Health insurance questions I have that are trying to address this situation that millions are in.