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Originally Posted by Curvycurly
Hi, I recently took in my little sisters ages 20, 18, and 14. I'm 24. I am so confused about how to get health insurance or what a good price is. My job pays for my health insurance so I've never really looked into it but to add on my dependents I found out it would be $450 a month. Does this seem about right to you? The 20 year old does have a heart condition that would require some specialist so I'm not sure if that's even considered when trying to apply for insurance somewhere other than my job. I know pretty much nothing about insurance and this is all pretty confusing and stressful to me. Any help/advice would be greatly appreciated. Thanks so much!
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Unfortunately, pre-existing conditions are still taken into account when seeking non-group health plans (outside of work plan). They can't deny you for it, but your rates can be adjusted accordingly. I have purchased personal health insurance off of e-healthinsurance.com a couple of times. (Once in California- I got Blue Cross Blue Shield.)
The quotes are free and you can compare them to your plan at work. But yes...health insurance is very expensive, especially with dependents. I pay over $300 a month for just me!
Do you have multiple plans you can choose from at work?