Health insurance - where is best?

[Perpetual_Student]

Hi y'all,

So right now I spend $3600 or so a year on my health plan through my university.  Going through some health insurance comparison websites, I see that I could insure both myself and Mr. PS at a fairly good comprehensive level for about the same.

HOWEVER.

We both disagree philosophically with the concept of marriage, and firmly intend never to marry.  So finding a joint plan may be tricky.  Any suggestions?

ALSO, Mr. PS just quit smoking again this May.  It was his birthday present to himself, and I'm proud of him for doing it.  Are there insurers who will take him as a non-smoker even though he has smoked in the last 12 months?

Thanks!

[sol]

Do a little digging at http://willmarryforhealthinsurance.com/.

This lady has a website about how to legally get health insurance for people just like you.  Includes tips on getting a domestic or common low partner covered, or even a roommate.  At the very least, it will give you some ideas about what else to search for.

[Perpetual_Student]

sol, I like you more every day!

Thanks, I'm going to check it out posthaste!

[Perpetual_Student]

Sorry to double-reply, wanted a boost.

So I am looking at this: http://individual-family.kaiserpermanente.org/healthinsurance/health-plan-coverage-and-costs/colorado-health-plan-coverage-and-costs

I am not sure which style of plan would be a more sound investment.  We are generally in good health, but Mr. PS takes a common prescription and in the next few years we may require some ambulatory surgery.

What are the thoughts of those who have been here?  This is the first time I am buying my own insurance, instead of just having what my employer has or going with a school plan.

Also: Kaiser covers domestic partners, woo!  And they have a Kaiser Kastle in Longmont, so it's not far to travel.