I need to find a plan that is affordable outside a group plan or is there a group plan available to me? I do not want the discount card type of plan I want an actual insurance policy accepted by many doctors and hospitals. 80/20 coverage is great with annual deductible choices.

Hello. Your best option is to find a reputable broker in your area with at least 10 years of experience. UHC, B. Cross, Humana and Aetna are four of the major carriers and should be competitive.

Stay away from "value" and "saver" plans, as they tend to be stripped down.

I hope this helps.

There are several good web sites that may offer you health insurance policy quotes and comparisons. These quote providers will provide you with plan rates and different deductible options from many of the leading health insurance providers across the country. You may want to consider InsureMe and eHealthInsurance to compare rates and plans. There are no obligations. You can request free quotes for health insurance online.

Or, you may want to request quotes for health insurance from a local agent which you can find in your local yellow pages. Make sure to compare different deductibles and coverage limits. Consider all pre-existing condition exclusions. And, look at the financial strength rating (Issued by AM Best Company) for the insurance carrier you choose.