If there is no deductible it does not meat that everything is covered at 100%. By far the most common option is to cover the family for health insurance through a spouse's employer. The one additional thing that I would consider is how well your plan travels with you. We will keep that in mind as we will looks all the factors of selecting right health plan. The reality is that most plans cover most of the things before the deductible is met with small co-pay. Michael Ertel is the President of Ertel & Company ( ) and has over 15 years of experience in the health insurance business. Most plans do not travel well and most dont cover you if you are outside the country. Second misconception is that once deductible is met everything is covered 100% or in case of hospital stay all we will be responsible is the deductible. Michael Ertel is the President of Ertel & Company ( ) and has over 15 years of experience in the health insurance business. Here are some common options that can make health insurance affordable if you're a self-employed entrepreneur or crafter. Hence, investing in a health insurance plan is immensely beneficial. Some plans offer option where they will cover only generic drugs. From an insurance perspective, your automobile insurance company has a certain expectation that you will take reasonable care of your car. Most brand name drug deductibles range anywhere from $250 to $1000. Next you should be looking at the deductibles for the prescription drugs. You may have to shop around to find a company that does, but there are benefits other than being a cheaper policy. Majority of health plans you are still responsible for, whats called co-insurance. Largest health insurance provider in the United States is Wellpoint serving approximately 34 million members nationwide. Keep in mind that in some states Blue Cross and Blue Shield are owned by two completely different insurance companies. Others feel that they dont need it because they are healthy and have never had any major medical problems. If you were to going to pay out of pocket for your doctors visit it will probably cost you anywhere from $45 to $100. Fourth we will be looking at the prescription drug coverage. Health Savings Accounts (HSAs) can then be set up to coordinate with the high deductible plan. Chances are those are the plans that have high Maximum out of Pocket in most cases over 7500 per person. It is a smart idea to find out how long the company has been in business, and what kind of reputation they have. With increase in the number of employees, the employers are more and more becoming reluctant in providing group health insurance as employee incentives, and deny it altogether too seasonal employees. There are some plan today available that have no deductible and they are relatively inexpensive. These requirements range from the number of hours the employee works, to the employees status, i.e., whether the employee works full-time or part-time. Most PPO plans have reasonable monthly premiums and usually have a hospital deductibles ranging from $500 to $5000. Health expenditures like this can force you into bankruptcy, that stays on your credit rating for up to 10 years and you do not get financing at affordable interest. A Health Insurance Cooperative with Other Self-employed and Small Business Owners. The way plans with no deductible work is by having you pay a percentage of the bill starting with the first dollar.