I did research when I started my business and got off my mom's insurance after college; unless you are deathly ill, nine times out of ten it is cheaper to pay as you go to the doctor. Most offices have payment plans they can set up for you. Independent insurance, for one moderately healthy person, not counting dental, vision, OR maternity, can run 100-200/month, and then you have co-pays and deductibles on top of that- last time I was getting quotes I was looking at 200 for just me, a 5000 deductible, and co-pays ranging 25-50 per visit. When I'm not pregnant, I might see the doctor a few times a year- I wouldn't even have come close to touching the deductible. And that was a basic plan, with minimum coverage. It was cheaper for me to just go in as I needed, say I'd pay, then make arrangements when I got billed.
at 4:30 PM on Oct. 26, 2010