Health Insurance Recommendation Table

See the updated recommendation table with new information as of July 2012.

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This table will be updated whenever there are changes to pricing or benefit levels. The recommendations are based upon the characteristics of the 6 Consumer Classifications described below. These 6 classifications are further broken into 3 age groups: 30, 45, and 60. The ages were chosen to show the pricing differences in plans due to age. In many cases, plans that are recommended for younger ages, might not show up for other ages because the price has gone up too much.

Use the recommendations from the table as your starting point to determine which plan is the best fit for your specific needs.

Consumer Classifications

Invincible
Between the ages of 20 – 65, they usually don’t go to see the doctor more than once a year. They are healthy and just looking for a safety net such that if something did happen they wouldn’t get wiped out financially.

Planning to have a Baby
Couples or Families between the ages of 20-45 that are planning to have a baby within the next year. The mother to be will need a plan that offers maternity care while the rest of the family would be in a plan from the “Families with Young Children” classification.

Families with Young Children
Parents between the ages of 25-50, with children that are young and occasionally bring home the current cold going around school. These families do the standard preventive visits and 2-3 Doctor’s office visits for illnesses that don’t respond to home treatment, or injuries that occur from activities and sports.

Middle Aged Professionals
Individuals or couples that are self employed, own a small business, or work for a business that does not provide health insurance. Age range between 35-60, and may have teenage children. May have a minor preexisting condition or take a prescription, and need to visit the Doctor 1-2 times a year for maintenance of their health.

Pre-65 Retirees
Between the ages of 55-65, these people have a few minor preexisting conditions and may have brand name prescriptions. They are no longer working full time, and don’t have health benefits through their work, or can’t afford the COBRA cost of their previous work health benefit plans, or have exhausted the COBRA coverage. They go to see a physician 3-4 times per year.

Preexisting Conditions
People who have a preexisting condition that resulted in either a decline or a rated policy in the past, and the condition has cleared up, is no longer a problem, or is treated successfully with medication. Results will depend upon condition and for best results you should contact our office to discuss the best strategy with one of our advisors.

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