Dear ones,

I have to buy health insurance( both husband & wife). Therefore, I am looking for the best insurance company in the United States. I have been asking for the quotes from various companies but didn't meet my requirements. I have found,  in case of maternity, insurance companies hesitate to cover the bills even if their ads are attactrive in the beginning.  

Those of you who have bought insurance in the past and have both good and bad experience, especially for husband & wife, please provide me some ideas here.

I am a temporary worker (H1B) not a student.

Thanks.

Usually it is cheaper and better to buy health insurnace sponsored by an employer even when an employee has to contribute or pay in full . If you are planning to buy health insurnace on your own , please read the fine line carefully as there are lots of loopholes which are easy to miss.

Try  www.eHealthInsurance.com.

It will help you navigate and choose health insurance as per your requirements. 

I don't know if your employer offers Consumer Directed Health Care (CDHC), but this plan is seeing remarkable increase in enrollment every year. I would recommend taking a look at it, especially if you remain relatively healthy.

CDHC is basically a high deductible PPO (deductible ranging from 1000-3000 and increasing every year) with a Health Savings Account (HSA). Exactly for the reason that it has a high deductible, the premiums are also low. But you will be responsible for the cost up to the stated deductible amount. If you think you will not spend more than few hundred dollars every year, then I think this is a good option.

In HSA, you can accumulate up to a certain amount (several thousands) every year before tax money. You can use this money to pay your medical bills. Unspent funds get rolled over to the next year. The good thing is once the amount in your account is as much as or more than the deductible amount, you can stop putting money into the account without having to worry about how you are going to pay for any emergencies.