Health Insurance - Any recommendations?

[stanleymmf]

So, my wife and I  dont have health insurance and we both are self employed . I am a health guy and never go to the doctor but my wife goes from time to time and when she does is always a $500 hit, at least. We started looking for some coverage and got overwhelmed with the options. We are both 29 years old, no kids( planing to have one in the next couple of years).
I was trying to get something that will cover the big costs, like if we have a car accident or need a surgery, need physiotherapy and eventually have a baby.
Any recommendations?

[Sibley]

You're in the US?

Google your State + ACA marketplace.

Yes, the US is completely nuts and bonkers and expensive and you are in for a very rude shock.

[jim555]

healthcare.gov

If your income is under 4X poverty you can check the subsidy amount at:
https://www.kff.org/interactive/subsidy-calculator/

[Greystache]

Our situation is similar to yours. We are both relatively healthy and don't spend much on healthcare, but we need protection against a devastating health care issue that is unlikely, but could cause a financial calamity.  Here is what we did. We went to the ACA marketplace and got a low cost bronze plan with a Health Savings Account.  It has a stupid high deductable (around $6K each with a $12K max out of pocket). On the plus side, we can contribute to the HSA. A couple can contribute around $7K per year. This contribution reduces your taxable income by $7K and it grows tax free and you can spend it tax free for and healthcare related expense.