Need to buy health insurance. Where to start?

Apple PIRUDJ46
Aug 1 13 Comments

I’ve had a job all my life so I’ve never had to shop for health insurance. Now I plan to take some time off from work and will need to fund my own health insurance. Where do I begin? Is there a good website where I can compare different products offered by diff companies? Any pointers on what to look for, what to avoid?

I live in SoCal, San Diego, north county. I’m in good health and don’t have any special needs.

Thanks for any insights you can offer!

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TOP 13 Comments
  • Twilio JayLaw
    Covered California
    Aug 1 1
    • Apple PIRUDJ46
      OP
      Covered CA makes you go through and extensive application form. Some of the info is not true yet, like income. At the end there’s a bunch of legal agreements, not sure if I should sign it.
      Aug 1
  • Facebook MYKt61
    Definitely check Apples Cobra rates. Especially if you're older than the average Apple employee your premiums will be a lot lower than with an external plan. if you can, report back here what the Cobra rates are as I'm curious to compare companies benefits.
    Aug 1 4
    • Apple PIRUDJ46
      OP
      Cobra: $560 for saver PPO, $613 for Plus PPO, $441 for Kaiser SoCal. Is that low or high?
      Aug 1
    • eBay hidisbsj
      I believe these are for single and it’s normal considering the benefits.
      Aug 1
    • Apple PIRUDJ46
      OP
      Yes for single. I can only do it for 18 mo. Maybe I should start with this.
      Aug 1
    • Facebook MYKt61
      Facebook's Cobra Kaiser's is 522, with very very little out of pocket. If Apple's is similar than that that's pretty good deal. You won't find anything cheaper if for example you're 50 years old, maybe if your 20.
      Aug 1
  • Mentor Graphics byKu66
    If you are not earning can’t you apply for Medi-Cal? Did you check?
    Aug 1 1
    • Apple PIRUDJ46
      OP
      Had to Google Medi-Cal, that’s how ignorant I am. LOL. Unfortunately (or fortunately) I will have income from cap gains so I probably won’t qualify.
      Aug 1
  • eBay hidisbsj
    Cobra?
    Aug 1 2
    • Intel Stxp17
      Prolly going to be expensive. Check covered California or just go to Kaiser directly
      Aug 1
    • eBay hidisbsj
      But the plan is same to what he had before and definitely much better than cc or kaiser.
      Aug 1
  • MassMutual / Eng
    NkOS62

    MassMutual Eng

    BIO
    Lead Software Engineer
    NkOS62more
    How old are you?

    60? 70?

    Just go to ambulatory if you get sick, damnit.
    Aug 1 0