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GoingEarly, We are mid-50's and the Farm Bureau plan is about $450/month for an HSA plan with a $5000 deductible. No lifetime maximum, prescription drug coverage, they can't drop you if your health changes. It's a standard united healthcare group plan. It is not ACA compliant though because...

If you are an Indiana resident, you should check out the plans from Indiana farm bureau. We got a policy through united healthcare that had a vastly better network than what Ambetter offered and about a third of the price. It's not a junk short term plan. The downside is that you have to have...

Some states have Farm Bureaus which give their members access to real health plans. Indiana for example offers a united healthcare plan (not short term) at a very reasonable price. The only catch is that it requires underwriting (blood tests, medical history, etc). They will not cover a...

I’ve wondered why we couldn’t have a system where people buy insurance from private companies but the actual underwriting would be done by the federal government. Government would be out of the picture from a consumer viewpoint. This would give consumers the ability to pay more/less based on...

Yes, I am surprised that this “elephant” is never discussed. The current health care system does not work under free-market forces because of the tax benefit provided to employers for providing insurance. It is untaxed income. If the tax laws simply removed that benefit, everyone would...