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I appreciate the feedback, but understand I know exactly what COBRA is and does and if you've gotten your COBRA coverage for $90/month all is can say is "no way...what's the catch? WOWIE ZOWIE!! and more power to you!" Because that would truly be a deal nobody should ever pass up. A super high deductible plan can't ever beat 90 bucks a month, that is true.
I am a healthy thirtysomething with no health issues and when I left my job last spring my COBRA costs were going to be nearly $400/month. Several years prior after leaving a different job, I actually elected to take COBRA and it cost me more than $300/month even then. I will never elect to take COBRA again unless I develop serious health problems and have no choice.
As for the Blue Cross High Deductible plan, I obviously make no claims BC is better than any other as gouging insurance companies go. The whole system is a wreck. Be careful with ALL INSURANCE CLAIMS, no matter the insurer! EVERY single insurance company out there tries to deny claims the first time around. Even if a small fraction of those poor clients choose not to fight the claim, or don't know how, or remain intimidated by the system, the insurer recoups some of its losses. It benefits the insurer to make this a matter of policy. To them, it's a part of doing business. To us, it's simply buyer beware and ALWAYS watch your claims. Ugh, don't even get me started on the state of health care in this country. It nauseates me.
Kasidah, you asked about how to get the BC plan. Do a web search for "blue cross high deductible" and "your state" and you will likely see a number of sites, some better than others. They'll let you search and compare, but ultimately you have to choose one of those companies as your go-between with BC. They'd be your broker. The quote you get is all-inclusive. Please keep in mind it took us a lot of deliberation to decide on such a high deductible. I wouldn't recommend it to everyone. The same plan is available with a $2,000 deductible, and if there are several family members it becomes a better value that way since the deductible is that one price for the whole family. Make sure your plan allows for a health insurance savings accoung (HSA) and if you can afford it then you can put an amount equal to your deductible in the HSA.
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