A woman is at home when she hears someone knocking at her door. She goes to the door, opens it and sees a man standing there.
He asks the lady, “Do you have a vagina?”
She slams the door in disgust.
The next morning she hears a knock at the door. It’s the same man and he asks the same question to the woman, “Do you have a vagina?” She slams the door again.
Later that night, when her husband gets home, she tells him what has happened for the last two days. The husband tells his wife in a loving and concerned voice, “Honey, I am taking a day off tomorrow so as to be home, just in case this guy shows up again.”
The next morning, they hear a knock at the door and both head for the door. The husband whispers to the wife, “I’m going to hide behind the door and listen, and if it is the same guy I want you to answer yes to the question. I want to see where he’s going with this.” She nods yes to her husband and opens the door.
Sure enough the same fellow is standing there, he asks, “Do you have a vagina?”
“Yes I do,” responds the lady.
The man replies, “Good, then would you mind telling your husband to leave my wife’s alone and start using yours!”
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- Understand your alternatives to buying individual health insurance
The cheapest purchase you’ll ever make is the one you don’t make. It’s entirely possible that you don’t have to buy individual health insurance at all. Depending on which state you live in and what your income is, you might qualify for Medicaid. You can contact your nearest Medicaid office, or go to Healthcare.gov to determine if you’re eligible (see step three below for the latter route).
If you have children, there are a couple of avenues to explore. First, many states have expanded coverage for children through the Children’s Health Insurance Program (CHIP). To find out if your kids qualify for CHIP, go to the Medicaid CHIP website and answer the questions under “Can I Get It?”.
Second, check to see if your children might be eligible under their other parent’s coverage. Even if you’re divorced, if your former spouse has employer-provided health insurance, your children could possibly be included under their coverage.
- Know what you need and can afford
Assuming that step one doesn’t apply to you, the most important step in finding cheap health insurance is to determine exactly what you need in terms of coverage and what you can afford. If you buy more coverage than you need, you’ll spend more than you need to. And as to knowing what you can afford, you can’t spend money that you don’t have.
Under the Affordable Care Act, every individual health insurance plan must cover 10 essential health benefits. These benefits are:
- Outpatient care (doesn’t require admission to a hospital)
- Emergency room visits
- Inpatient care in a hospital
- Care before and after your baby is born
- Mental health and substance use disorder services
- Prescription drugs
- Services/devices to help you recover from an injury or deal with a disability or chronic condition (including physical and occupational therapy)
- Lab tests
- Preventive services
- Dental care and vision care for kids
While that might seem like a pretty comprehensive list, different health insurers can vary on exactly how they cover these benefits. Think through any specific needs you might have.
- Go to Healthcare.gov
Perhaps the easiest step of all is to go to the Healthcare.gov websiteand complete an application. It’s easy, that is, if you’re doing so during an open enrollment period (the next one starts on Nov. 1) or if you have a qualifying life change. These life changes include getting married, having a baby, or losing other coverage. The website, by the way, will help you find out if you have had a life change that qualifies.