It would be for my wife and me, no kids. Any idea what to expect as far as premiums and deductibles? We currently have a $3,000 family deductible and pay about $600 a month in premiums. --74.130.xxx.xxx

I would enroll in a mutual aid provider such as Medi share. --72.172.xxx.xx

Just signed up on the exchange for insurance covering my wife and I. $400/month without the tax credit for a $6,000 deductible. I would start by checking the rates at healthcare.gov, then look elsewhere it they are too high for you. --73.146.xxx.xxx

I had to get my own insurance about a year ago, I went an t alked to my insurance lady where all my homes an cars are with. She took my info an I got blue cross blue sheild, 7,500 deductible, was like like 250 a month for me an my wife, both diabetic.. Dental we did out of pocket, but we only did cleanings --70.210.xx.xx

Does anyone know what the fines are this year and next? --74.130.xxx.xxx

I have several friends using Medi Share and are very satisfied - it is not insurance- but mutual aid. As you might imagine, contributions (premiums) are far lower than ACA compliant insurance. --72.172.xxx.xx

I need to look into getting something cheaper!!! --71.123.xxx.xxx

It's actually the same policy i was paying much more for and i now have a lower deductible. IT does not cover dental, so i have a different plan - not insurance - for dental. --184.206.xxx.xx

I don't think you have to be in Missouri, but you can call and ask her. No cost to you to call. --184.206.xxx.xx

Neither my wife or I work, both in our 40s. We each have seperate policies. Mine through the exchange, 425 per month, 4 k deductible. Hers is off exchange and 450 per month, 3000 deductible. She has many pre existing conditions, it doesn't matter anymore. That's the only good thing about the affordable care act. --166.137.xxx.xx

The website provides a quick cost estimate, shop there first. Then go to your insurance agent knowing what you could pay. Rates vary with your age and deductibles but again you can see how that changes on the website. I've paid my own medical for the past 20 years but I dropped dental a long time ago as it never seemed to pay to have it. --108.32.xx.xxx

Sisco, Ive been looking at Medishare and on their web site they claim to satisfy the gov requirement so that a tax penalty is avoided. (eventhough they admit it is not insurance) Do you know if that is correct, that it allows you to avoid tax penalty? --174.196.xxx.xx

We have only one provider in NC, BCBS, which is what we had before... --74.110.xxx.xx

Also, in order to get some government subsidy, our income needed to be either under 62K or 64K. I think it was all or nothing. 1 penny under the limit would give us 10K subsidy. 1 penny over would give us nothing. So, pays to plan ahead and perhaps take stock money or whatever out in advance for some people. --24.181.xxx.xx

My dear cheapskate mother would be appalled as to where the money she scrimped to save is going. --71.175.xxx.xxx

Thanks for the info and advice everyone. This will help point me in the right direction. --74.130.xxx.xxx

--108.56.xxx.xxx

remember when you are stating your income it's after expenses, if it's from rentals... which reduced my to very little income and my rate is half of what it was before O-care was an option. and I'm over 50 and have one college age son on the plan... very good terms. Gold Level Plan --184.206.xxx.xx

Hang onto your wallet; we had bcbs at $799 per month with $1500.00 deductible. After O care said we must change to include maternity at 63 our rate went to $1800.00! Got it down to $1150.00 with 6K deductible each. With Healthcare .gov they wanted to count gross income not net from rentals to base income rate. --47.201.xxx.xxx

I will definitely try and go directly to a insurance company first though. --74.130.xxx.xxx

Not gross income. Net income --66.87.xx.xxx

Not gross income. Always net income. We are benefiting from the subsidies right now - but I put aside the full amount each month because one penny of the Cliff and we owe it all back. --173.22.xx.xx