Going through a divorce, I am shopping for an individual health insurance plan.
I found one through
Health Insurance - Affordable Health Insurance Quotes, Individual Health Insurance for $240/month that covers prescriptions and whatnot for a 41 year old healthy male, with 1 year exclusion pre-existings.
That being said, I can see there are a lot of exclusions - the main one being that they only cover $500/year in diagnostic tests (lab and x-ray). I have had a discussion regarding this with with my primary care provider - that he/she/they (it's a group) can't just order tests "willy-nilly" anymore.
I don't want them to be gun-shy - but to just order a CBC if I have no signs/symptoms of infection/anemia just to be "routine" has to be out. Or thyroid if I have an extra 15 pounds on and no other signs/symptoms has to be out.
But it could be pretty easy to run that part of your bill up but maybe that's a smart move on the ins. co. - attacking defensive medicine.
Other exclusions involve:
50% coverage for diabetes benefits, $2500 /year max
Higher copay on name brands
Durable medical equipment - $2500 per year 50% max
$500 copay for hospitalization (every 90 days)
So. . .I have concluded no matter what, I will have to have a "health care account" with around $5000 just sitting in 6 month CD's or something to offset uncovered costs - uncovered medical, dental, chiropractic, optometric, etc.
I think everyone should be moving towards this, even state employees and others usually excluded from these discussions.