DH (60) and I (50) just signed up for individual health insurance at $300 per month with a $10,000 deductible ($5,000 per person) and a $5 million cap. Like you, we are low consumers of healthcare.
It also has an accident provision where the first 30 days of treatment are paid 100% without meeting the deductible. You would save the deductible in about 2 years through lower premiums.
You might check with a local insurance broker to see what is available in your state. I know we are in for increases every year but I was pleasantly surprised with the starting premium.
It also has an accident provision where the first 30 days of treatment are paid 100% without meeting the deductible. You would save the deductible in about 2 years through lower premiums.
You might check with a local insurance broker to see what is available in your state. I know we are in for increases every year but I was pleasantly surprised with the starting premium.