Newlyweds: Health Insurance Planning

It can get complex when deciding to add and subtract family members. Employer plans are usually much cheaper for the employee than dependents. Take into account:
  • Health
  • Frequency of doctors visits
  • Expensive drugs
  • If you are planning any children
  • Dependent children from another marriage
  • Your budget

Some members with recurent health issues, pending surgery or on expensive prescription drugs, may be stuck in their current health plan. Some suggestions:
  • Before "ordering a baby," enroll in a group plan or consider a dreaded HMO
  • Group plans usually don't consider health, so take advantage of them for "sickies"
  • Make sure your maximum exposure is low (out of pocket)
  • Consider a PPO over an HMO
  • If healthy, look at a plan with a higher co payment
  • Avoid single disease insurance policies, they are not health insurance!
All rights reserved. Copyright © Craig Casey 2000.


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