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Moms I need advice on Health Insurance for my child! Adivce?

My husband just started a new job yesterday with a new VERY large company. We thought they would have great health insurance because they were a large company. But Boy was I wrong. To cover our family of 3 we have to pay 184 dollars a WEEK. That does not cover dental,Optical,Disablity, Life insurce etc. If we wanted the whole package, We would have to pay 1300 dollars a month. I called the Boss and asked him why so much and he told me because were a group by law we have to take everyone, smokers, people with pre-exsisting conditions, the obese, diabetic etc. I am for everyone having health insurance but because My husband and I are perfectly healthy, we hardly need the doctor yet have to pay the same coverage that the sick pay.. Now I am looking at a Private company. They tell me I have to pass a health screening test, not smoke, drink be over weight etc..And I don't. I am very young and healthy. I do need suggestions on what company's to go for. Any tips would be nice.

Public Comments

1. Unfortunately, you will likely pay less by going through your husband's employer. Health Insurance is not cheap, and women and children are viewed as expensive in the eyes of an insurance company anyways (healthy or not). I've dealt with insurance companies from both sides, by looking into personally and from the employer's side. Generally the employer gets the better rate, as they are getting the "group discount" price. It does sound like the employer does not contribute much to the health insurance, which is sad. Many employers contribute more, but in this economy, employers may be cutting back their contribution. It is worth looking into getting the insurance yourself, but I wouldn't be too surprised if it costs more than through the employer's plan.
2. Where are you located globally. I'm in the US and I got a private insurance policy for my daughter. My husband and I are both employed and are given our health insurance for free from our employer, but to add on a child it's like $250 per month. And it's the same for everyone because that is how group insurance works. You do pay more, because you are paying for the unhealthy and healthy alike. So I did some pricing around and ended up getting a policy with Humana for $146 per month for just her. If you are getting a policy for all of you, I would look into Blue Cross Blue Shield as they have some really great plans, but they won't insure a child until they are 1 unless there is a parent on the policy.
3. i work with health insurance everyday. u may want to get private insurance. choose one that cost less with a high deductible if u dont seek the doctor too often. when u do see the doctor you would basically have to pay out of your pocket until u reach your deductible then your plan will cover about 80% depending on your package. if u do see the doctor often then i would pay for the premium no deductible with just a copay and the insurance paying 100%