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[Michael Czeiszperger <michael AT czeiszperger.org>]

On Feb 24, 2005, at 10:30 AM, Roger Austin wrote:
>  I was shocked to see list members saying they only pay $100-200
> per month for BCBS coverage. Perhaps it is because they were very
> young and very healthy. My contemporaries are paying 2-3 times
> that amount for BCBS. The difference is probably age, but it
> could possibly be that they wanted more coverage than a young
> person would need.

I'm playing $174/month for individual coverage under BlueAdvantage at 
age 41.

I just talked to an insurance agent yesterday about a group plan for my 
small business, and they recommended against it.  With a true "group 
plan" your rates are determined by, among another things, the costs in 
your group, which means in a group of 5 people if someone gets 
seriously ill your rates could skyrocket. The BlueAdvantage plan, on 
the other hand, is really a group of 250,000, so your rates are much 
less likely to be affected by the health of an individual.


___________________________________________________________________
michael at czeiszperger dot org
Chapel Hill, NC USA