Nice, that sounds perfect (though I'm not sure Blue Shield operates in NY...). Know of any good sites that show what insurance plans are available in what states? (or did you find that via some other method?)

I actually just found out from a friend.

There are definitely sites out there that show all rates; just search around for high deductibles. You should have a Blue Cross, Blue Shield, etc. affiliate in NY.

have you checked out the freelancers union in NY? They offer cheaper insurance and other benefits.

Looks like the 10k deductible plan for health alone through Freelancers is still $196/mo... better, but still seems a bit high, considering I've never been hospitalized.

You need to find the plans that aggressively discriminate based on health history. If they aren't hard for the average American to qualify for, you won't get the low rates.

Oh and I don't know your health and finances, but if you are healthy (and presumably hardly risk-averse), no health insurance beats a 10k deductible that costs you $2.4k a year.