I'm a solo software developer and would like to find some reasonable health insurance for myself.
My wife has a job which allows me an opportunity to participate in her insurance group, but it is a complete rip-off.
I've been enrolled in a high deductible policy for about a year now. Beyond providing an upper bound to the amount of liability I might face in the event of a severe medical accident, it is virtually useless.
When I picked it up, it was about $66 / month; that price has since jumped to over $80. I'm also looking to pick up some dental coverage (previously I had a separate policy for this which has since lapsed).
I'd to have a policy that encourages me to see a doctor for regular checkups and does not imply a big penalty for irregular visits, and still limits my liability in a severe accident.
Any tips? Am I just a casualty of a crappy system?
Also, last time I used an online search tool to find my insurance policy. Is there a better way to do this?