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My insurance is going WAY up ?

My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace" website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing

   








Can you get health insurance if your slef-employed?
Motorcycle Insurance?
Hi I'm 25, doing my test soon and I'm going to get my first car soon, looking at online insurance quotes...?
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Small business looking for new health insurance.?
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HELP! 22yo just got license in CA & looking to get auto insurance but it's too expensive!!?
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Car insurance claim failed. I am totally innocent and will not give up. Where do I stand with this?
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Bankruptcy and life insurance?
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Has Tort reform had a beneficial impact on Health Insurance rates in California.?
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What is the difference between whole and term life insurance?
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"Do cons understand by starting people on Obamacare..."" sounds like a fear mongering tactic since its just a mandate to buy insurance?"""
Do cons understand by starting people on Obamacare..."" sounds like a fear mongering tactic since its just a mandate to buy insurance?"""


"Are the on-line no medical exam required"" life insurance policies/companies legitimate?"""
My husband, being the impatient person he is, has decided to appease my request to get life insurance on himself with an online policy. The company is American Life Direct and the policy is written by Liberty Life. I know the premiums are higher. That's his decision. What I'm concerned with is whether or not he's really insured. I want him to just go through the regular procedure, like I did. I mean God forbid (and I really mean that) something should happen to him, not a good time to find out you were scammed. I just don't unerstand how you can answer a few questions, give your credit card info and have a policy. No exam, no verifying, no medical records.(except MIB) Mine took almost 3 months of processsing before I actually got a policy and was insured! At the end before you sign it said things like Not insured by the FDIC"" Is this normal for an insurance company? He didn't sign"


When were mandatory auto insurance laws made in the state of Maryland?
Just wondering.


Car insurance for married couple!?
Hey there! My wife and I both used to have our own car insurances until a few months ago when we decided to drop hers and add her to my policy to save some money. She got into an accident the other day; everyone's okay and it hasn't been determined who was at fault yet. I was wondering if this is going to affect MY driving record as well considering that we are sharing a car insurance policy? I realize that our premium might go up but I guess I want to know if the premium would go up even if we decided to get her off of this policy and find her a separate one with another insurance company. Do insurance companies look at which driver and which vehicle (we each have our own car) was involved in the accident or does it all just go by the policy number?


How much would insurance cost for a 17 year old with an SUV?
im thinking about getting a 1998 Chevy Tahoe for my first car but i dont know how much the insurance would be and i have my JOL license


Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know
Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise


What is the cheapest car insurance?
What is the cheapest car insurance?


Are classic cars cheap to insure?
for example all cars older then 1990: trans am and camaro's older then cadillac eldorado's older then rolls royce silver shadow chevy belair dodge charger chevrolet suburban mercedes 500sel mercedes 500sl and other american and classic european cars


Where can I find cheap motorcycle insurance in florida?
I am looking to finanace a bike, and need to find some insurance. Most of the quotes I have gotten have been at least $400 a month. I am trying to find something a lot cheaper. Do you have to have full coverage when financing or can you just get basic coverage like collision or something like that?"


On medical insurance?
I want to get medical insurance but have no idea where to start or what to even look for. My employer offers medical insurance, which I don't qualify for yet, but want to look into other plans before making a decision. Can I get some links so I can educate myself on this, or can I get some suggestions or information from you guys? Thanks"


My mother has a whole life insurance police. Can she surrender the policy for the cash value? She's 86 yrs old?
She is currently in a nursing home with Alzheimers and awaiting word from Medicaid, in the meantime we need to pay the nursing home out of pocket."


Do teens with their permit need car insurance if their parents have USAA auto insurance?
please provide where u got this info from not jus u came up with it i need proof


Insurance groups (england)?
What insurance group would a 2014 Shelby gt 500 be in It has a 5.8 litre, super charged v8 with 850 bhp"


I recently had burglary at my home. How to get the maximum out of insurance?
Have AAA home insurance . National vendors are coming up with the replacements for all the items. Have lost almost all that i had in my home but the insurance plan says either a replacement of the item or the depreciated price. What should i take ? Please share your experiences.


What if: Driving without proof of insurance?
What if someone BORROWS my car and gets caught driving without proof of insurance (my insurance card?) NOT saying there is no insurance - the car is insured. But what if the person gets caught without my insurance card? Who gets charged? Will my insurance go up?


My insurance is going WAY up ?
My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace" website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing


Sell Life insurance in Georgia from Florida?
What do I need to do for me to sell Life insurance in Georgia if I have a Florida License and I live in Florida? Plus, How much will it cost?"


Will my daughter driving permit have an affect on our insurance rates?
Will my daughter driving permit have an affect on our insurance rates?


How much is the Private Health Insurance?
reduce cost on botox?


Why does another persons driving record affect my insurance?
sharing a residence with other people doesn't mean sharing vehicles or the responsibilities, so why should their driving record affect my insurance rates?"


"How much money would I have if I put 3,000$ in the bank every year for 18 years?"
Since the average person starts college at 18 years old, I want to save as much money as I can to have enough money to pay for my child's college, I decided to put 3,000 dollars every year in a savings bank for 18 years,. How much money would that be in 18 years, and would that be enough to pay for my child's 4 years of college. 18x3,000 = 54,000, would that be how much money I would save up or would it double, or even be more money than that?"


Can I have two cars under two separate car insurance companies read my situation please!?
I have my own insurance on my own car with Farmers Insurance. However, my best friend just bought a new car and her insurance rate sucks. Can I insure my friends car under my name with Gieco and add my friend as a secondary driver and keep my Farmers insurance under my own car? Also, is there any way that Farmers would no if I did this? Do I have to tell anyone I have two insurance companies? Just put insurance, right? THANK YOU!!!!!!!!!!"


Life Insurance?
I had a child in 2007.. is it necessary for me to get life insurance? Why.. and what is the best carrier (in your opinion) to use? Also, what rules do I need to know before I opt to get it? Thanks."


"Insurance paid out too much, Am I obliged to give it back?"
After a solicitors firm managed to draw out a car insurance claim for 18 months I finally settled 50/50 on the incident, instead of refunding me 50% (400) of my excess the solicitors paid me 100% (800). I verbally informed them of the error before they issued the cheque and they still proceeded, now they have noticed the error they are asking for me to return the money. Am I legally obliged to do so and how far are they likely to pursue this if I do not? "


Do you all have health insurances?
I mean what is a health insurance? more info please thanks


Car insurance... ways to lower it?
I know there are many variables but I've found the cheapest insurance company for me and adjusted various thing to lower it, all things are still true to me, but I'm currently looking to pay around 2400 I have found cheaper insurance for around 1400 bit then looking to pay around 1200 for the car, I bought my car for 80 as it was a family members car and needed work, but its all repaired, so the money id spend on a car wouldn't make up for insurance, also I've found insurance cheaper for my car but has a black box fitted to the car if I do that, but I may want to drive later than 11.00pm"


"I want to buy car insurance, what is the cheapest one to buy?"
My progressive insurance just expired, and it is really expensive. I want the lowest state minimum insurance available. The state is Michigan."


USAA Registration? Im trying to register for USAA online and whenever i put in my info it always gives me this message?
Please verify the apartment number, suite, etc. you entered for mailing address is correct. This may affect delivery (2:19544) What gives? All my info is correct so whats wrong I'm also in the Army so yeah"


Need a print of my proof of insurance with progressive insurance?
Need a print of my proof of insurance with progressive insurance?


Crashed car 3rd party no-one else injured what to do with insurance?
Thanks for you answer, however the police specifically said we'll take this no further"" as it did not involve anyone or anything else i'm hoping it doesn't go on my record. If we scrap the car what about the insurance? Should we cancel to save approximately 1500 as it's only 6months into the yearly 3000 premium which was paid upfront?"""


What is a fast car that is in a relativley low insurance group?
I was looking at a 1.6 Honda Civic Type S as that is insurance group 6, but they seem to be hard to come by. They are mostly 2.0 and that is group 11 which is too high as I am only 19. Budget is around 3500. Any ideas welcome. Can go over budget and put the car on finance for the right car."


My insurance is going WAY up ?
My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace" website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing


"When it comes to Life Insurance policies, what does Cash Value mean?"
When it comes to Life Insurance policies, what does Cash Value mean?"


What's the best and cheap health insurance for self employed in US?
What's the best and cheap health insurance for self employed in US?


I just got my license but no insurance?
i got my license few weeks ago and i would like to start driving my parents car , they have insurance under there name but not mine yet, and my dad doesnt want to add me on there till later on due to the cost, so will i be able to drive their car with the insurance under their name ? I live in Cali, LA. thank you"


How long does a dui on your record affect your car insurance?
ex. I got a dui almost 5 years ago, will an insurance company look at my record from the past 5 years or longer? How many years from your dui do they hold it against you?"


What type of insurance should I buy to pay for my funeral expense?
pebbalop - I had never heard of Funeral Expense Insurance. That is why I asked the question. To find out my options. Thanks for letting me know there was such a thing.


Health Insurance question?
I live in California and I will be 20 years old when I have my baby. I am currently still on my parents health insurance plan and all of my prenatal visits are covered and I believe my hospital stay is also. My boyfriend and I are not married yet and we live together I am not currently working. And I am aware I need to get insurance for my baby from her being born on but does anyone have any suggestions of what company to use? Could I still be approved fr a low income"" plan?"""


Crowdsourced car insurance company? Would you join?
If I were to set-up a crowdsourced car insurance company would you be interested in joining? I appreciate how much money is required when starting a car insurance company but I seriously think that with a concentrated effort and a crowdsourced company then we could beat the large companies at there own game. The way I envisaged it working was that the idea attracts as many people as possible and each person pays a membership fee. In return for the fee the person gets a share in the company with certain voting rights. The share doesnt entitle you to free insurance, but seriously reduced in price. Insurance policies are only available to members, the main benefit being to keep insurance costs down people would hopefully be less likely to claim. When the company generates profits, those profits would go into a pot and at the end of the year the pot would be sent out to members in the form of dividends. Anyone interested?"


How much do you insure for the Bodily Injury Limits?
What is Bodily Injury Limits on your car insurance? What is the limit should I have and why?


What insurance companies should i be looking into?
I am 17 and I am getting my license next month...im not sure if my parent are gunna pay for me and I am not expecting them to....i have a 2001 grand cherokee limited v8 it is registered in my name I know gas is gunna be alot but i have a 8/hr job so ill pickup extra shifts since i dont have to walk miles anymore....what should i know when picking insurance, how can i get it for really cheap? in a couple days my school is giving me a drivers ed class and the also said itll give me a discount on insurance.what are good companies that like new drives?..please good responces!"


Auto insurance?
Auto insurance?


Auto Insurance & Road Service Question?
Hi there, Thank you in advance for helping out! I want to know your advice and recommendation on which company to receive my auto insurance/road service from, and what sort of coverage is recommended. I have been with AAA my whole life because my father advocates highly for them so I have trusted his judgment and experience. But I think they may be ripping me off. I am a 27 year old single female with a good driving record (last accident was back in spring 2005 I believe). Yet, every single year they seem to increase my monthly payment by ~$10 and now I'm paying $118.25/month! Are they that superior a company that it is worth paying this and should I try to negotiate with them, or is it worth looking into some other companies such as Geico, State Farm, Progressive, etc. Ive been receiving invites from them for years and Liberty Mutual supposedly has some college alumni offer for me and claim to be ~$340 cheaper than 21st Century, Allstate, and Mercurybut I never trust ads anymore. I only believe concrete statistical comparison data. Also, my dad said road service is completely separate from auto insurance (although AAA handles both) and I pay $52/year to be part of his joint plan as a AAA Plus Dues - Associate. He said he believes this covers 6 visits/year, 100 miles, is the most basic plan, and he only got it because hes been with AAA for 30 years. Could I get a better deal elsewhere or is this fair enough to stick with? At the end of the day, I want decent coverage for the best price available. Im saving for a down payment on a home and have to scrape pennies from anywhere I can, but still do not want to be stranded at the time of an accident. I got some quotes online that were considerably cheaper, but if Im going to be screwed, then are the savings worthwhile? ======================================... As needed, here are details on my car and policy (please tell me which are unnecessary or should be edited): - Honda 2008 Civic LX 4-door sedan - Miles commute USED to be 50 miles one way ~3 days a week, but now I work from home every single day; Notes in Policy say: Prior and Future Annual Mi: 8,000 (22mi per day, so I wonder if they even counted my prior commute in this). - Policy has me down as a student, not sure why, been a full-time professional since Jan 2008 and now make 65K - Bodily Injury: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $193 - Medical Payments: No coverage - Uninsured Motorists: Liability Limits Each person 50K; Liability Limits Each Occurrence 100K; Premium: $78 - Property Damage: Liability Limits Each Occurrence 50K; Premium: $192 - Comprehensive: Actual Cash Value Less Deductible; 100 Deductible; Premium: $242 - Collision: Actual Cash Value Less Deductible; 100 Deductible; Premium: $650 - Enhanced Transportation Expense: Premium: $28 - All Risks: Actual Cash Value Less Deductible; No coverage - Total Premium Per Vehicle (1 vehicle): $1,383 - Auto Death Benefits: 15K/driver listed with ADB coverage above - DSR (Driving Safety Record): 1 Pt - YDE (Years Driving Experience): 12 started at 18, Im 27so the actual is 9, but Ill take it. - Discounts: None except Good Driver(s): Items 01 and 01 is my Honda, so I guess this means Im a good driver (dont know why the price doesnt reflect it!) - Live in Berkeley, CA (zip code 94708) but am listed as Lafayette, CA (94549) how do I check which zip is less money? Thanks so much for your advice!! =) I appreciate your time & insight."


Buying a home?
What is included in the purchase price"" of a home (insurance"


How much time do you have to get car insurance after buying a car?
I'm considering buying a car insurance, I've been driving for years but none of the cars have actually been in my name and my mom has me on her plan. If I buy a car I'll need insurance, how much time would I have to get it?"


Does the cost of your Car Insurance go down after you turn 25 years old?
Does the cost of your Car Insurance go down after you turn 25 years old?


"21,no job,no health insurance,need meds, what do i do?"
i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do."


My insurance is going WAY up ?
My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace" website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing