Best insurance?

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I am switching agencies between assignments and am currently uninsured (I know, illegal!). The cost of insurance with United was about $360 per month with my first agency (in TX). The second agency is quoting almost $1000 for me and my spouse (assignment is in CA), and suggested I look for my own, which is fine. I am currently home in MO.

I'm looking for private plans. I have read previous posts that recommended BCBS. When I search a quote though, I have to put my zip code (and was previously insured through BCBS IL with my employer in MO), so I was wondering if I should use my home zip code, or CA zip code? Am I covered if whatever state I travel to outside of MO if I use my home zip code? What if I buy the insurance through the health exchange? I know those programs are state-specific.

Is anyone currently paying for themselves and their spouse? If so, any recommendations and what kind of quotes? A quick search in MO showed ~$450/mth for the 2 of us with a $6000 deductible. I remember private insurance costing around $200/mth for my husband and I when I was in nursing school 2 years ago! We are healthy and probably will have to just go with a cheap plan instead of a low deductible.

Thank you!

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Specializes in Psych.

When I was looking I contacted an insurance agent that dealt with a lot of RV'ers due to the whole moving around a lot thing. Their PPO quotes were a lot better than ehealthinsurance for the same plan but still more than I wanted to pay. I ended up going with a nontraditional healthcare sharing option but the website for the insurance agent was RVer Health Insurance - Health Insurance plans for RVers . I'm sure some others will pop up here with more options and resouces. I think it's fine to use your tax home zip code.

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I'm with blue cross blue shield ppo and I pay 160 for medical, vision, and dental. I also have

vsp which is 13.41 a month. Both good stuff imo!

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