Author Topic: Iso health insurance in SoCal  (Read 747 times)

Offline Leah613

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Iso health insurance in SoCal
« on: December 30, 2018, 05:03:34 PM »
Been shopping around for insurance for family of 6 . Crazy expensive. Just got dropped from cobra as the person who ran the small business husband used to work for closed business. For soem crazy reason we were paying just 905 for Kaiser. Now for same benefits it's like 1900. Maybe they were making a mistake? Dont think his old boss paid towards it we have been gone 15 months. Any advice? Want high deductible but not to pay a fortune on occasional doctor visit. May choose oscar
 Seems best monthly rate. But trying to find soemone to give me an honest answer how much a negotiated rate out of pocket for a doc visit will be seems Impossible . Even when I called a Frum doctor office. Aaagh. Gotta decide by tom.if I want oscar for jan 1 and 15th if I wanna go ba k to kaiser. Does anyone have other advice? We dont qualify for covered California but that doesnt mean with rent in l.a. and yeshiva we are not broke...

Offline finmom

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Re: Iso health insurance in SoCal
« Reply #1 on: December 30, 2018, 05:15:56 PM »
Oscar pricing seems to beat Kaiser in socal for HDHP type plan. Issuer is a closed system so must stay inside to be covered. Oscar's lowest cost is epo so must stay within Oscar to have coverage too. Oscar is new to area so provider panel isn't as large as more established insurance lists. HSA plans with an HSA savings account makes the most sense to me. Tax advantaged savings with lower premiums. If you don't use much you win. Even with some high usage years you may win over having to pay high premiums for premo coverage.

Offline Leah613

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Re: Iso health insurance in SoCal
« Reply #2 on: December 30, 2018, 06:58:24 PM »
Thank you ye it's all new yo em a tsadik has been advising me for no profit. This hsa
 is a new thing too does it mean we put aside soem pre tax dollars how does that work