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Question about buying my own health insurance?

Hi - I work in education so have always had excellent healthcare benefits. I am going to be taking a job with a new district where they don't give me health benefits but my salary will be 25k more - so I can easily buy my own. 

It's just me, no dependents. I am 33 and in excellent health. I never go to the Dr except for preventative recommended screenings. 

Here's what I want:

I am fine paying full price for Dr's visits as they are so rare, even if I get unlucky and have to spend 10k in one year. I'd just get a HSA each year.  I do want a health insurance that kicks in after a crazy amount, say 30k+, in the off chance I have a catastrophic event such as a major unexpected surgery, and I'd want everything covered 100% after some number like 30k. 

How much should I expect to put towards insurance monthly/yearly for something like this?

1 Answer

Relevance
  • 5 days ago

    The cost of insurance is unique to each zip code.

    The 2021 out of pocket max is $8550 for an individual for ACA compliant plans.

    Thus anything over this is 100% covered.

    Of course, insurance won't cover unlimited physical therapy, chiro, etc.  So you could exceed $30K.  But this is no different than your "excellent" district coverage. 

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