What is the best and cheapest medical insurance for my wife and I ...

What is the best and cheapest medical insurance for my wife and I? (Please read details)?

I am a full time student (I work part time at a hotel) and she is a self employed house cleaner. We are currently paying 315.00 for both of us, but need a cheaper plan. We just need accident coverage and maternity coverage. Please provide us with any information you can. Thank you!

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You probably won?t find much less expensive coverage than that, it?s not that out of line for an individual policy. Finding specific coverage is even more difficult.
There?s a problem built-in, what is an accident? You are hurt in a vehicle crash and you?re covered, but contract cancer and you?re not? Is that accident through no fault of your own? If you slip and fall in your home it?s your fault so you?re not covered.

I would suggest looking at Blue Cross Blue Shield and Aetna. Get an HMO or PPO with a high deductible, high out of pocket amounts. The PPO will cost more, finding an HMO with a high deductible can be difficult. Then open a non-government HSA, health savings account. This is an account that you contribute into, the money adds up over time, and is used to pay for the smaller things. You break an arm, you pay. You need major surgery, the insurance pays. This keeps costs down on both insurance and health care. Shop around, you?d be surprised at the differences in health care costs from one doctor to another. Ask a doctor exactly what you are getting for your money. The same goes for medication. Always ask a doctor about less expensive alternatives if you find a prescription is expensive. Take advantage of in-store clinics and such, they are becoming very popular, and for good reason, they are more affordable than the doctor?s office for the same care. It?s important when you?re the one paying.
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