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Show HN: PickHealthInsurance.com

pickhealthinsurance.com

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Re: Show HN: PickHealthInsurance.com

#91

Post by MJR »

gurgeous wrote: post #2

I'm releasing the first version of PickHealthInsurance today. It helps you compare health insurance plans (individual, not group) in the US. I put this together over a few weekends. My COBRA is about to run out and I found it exceptionally difficult to compare plans and prices with the existing sites. This is the third time I've had to buy individual insurance and I finally decided to do something about it. Things cr…

- start showing approximate rates almost immediately, don't pester me with a bunch of questions

Your core problem is going to be that approximate rates are based on answers to questions. The fewer questions you answer the less accurate your rate will be. Go talk to a few agents and let them draw out the benefits for you, they are free to you and they exist for this very purpose!

Re: Show HN: PickHealthInsurance.com

#92

Post by pnathan »

gurgeous wrote: post #2

I'm releasing the first version of PickHealthInsurance today. It helps you compare health insurance plans (individual, not group) in the US. I put this together over a few weekends. My COBRA is about to run out and I found it exceptionally difficult to compare plans and prices with the existing sites. This is the third time I've had to buy individual insurance and I finally decided to do something about it. Things cr…

Honestly, this is amazing. The big qualifier is, "YMMV", depending on medical history.

If you could parlay some deals with the insurance companies related to being an "authorized reseller" where you could input Medical History and come out with a Comparative List that you could sign up for.... you'd be sitting pretty. IMO.

Re: Show HN: PickHealthInsurance.com

#93

Post by waterside81 »

As a software developer, I love this. You're doing exactly what this era of cheap technology has enabled us to do - aggregate information into a one easy to read, easy to understand interface. As others have mentioned, there's some fixes here & there, but you're definitely going down the right path.

As a Canadian, I'm bewildered that this has to even exist.

Re: Show HN: PickHealthInsurance.com

#94

Post by anamax »

tptacek wrote: post #83
anamax wrote: post #81

Earlier quoted context omitted.

> You can also expect that any woman with any reproductive health issue, no matter how common, will be automatically declined for private health insurance Not so fast. If she never goes "bare", she can't be denied for pre-existing conditions. Is it really that hard for people who know that they have chronic conditions to act as if they have chronic conditions?

What do you mean, "goes bare"? My family has had continuous coverage since I get married, and both me and my wife had continuous coverage prior to that. Are you trying to say it's impossible to be denied coverage? You're wrong. I'm not going to get into the severity of the "chronic conditions" we're talking about because they're none of your business, but based on prevalence in the population, it's crazy that they're…

I'm not saying that it's impossible to be denied coverage; I'm saying that continuous coverage can make that a non-problem.

http://en.wikipedia.org/wiki/Health_Insurance_Portability_an...

> based on prevalence in the population, it's crazy that they're auto-decline conditions.

Are they "auto-decline" or "they can't charge expected costs"?

> I'm not going to get into the severity of the "chronic conditions" we're talking about because they're none of your business

No one asked you to, so why the attitude?

Re: Show HN: PickHealthInsurance.com

#95

Post by statenjason »

TruffleLabs wrote: post #80
tptacek wrote: post #44

This is very pretty and I'm sure it's to some extent useful. However, I also find it misleading. As someone who has been through the process of buying private insurance before: there are a number of sites like this (though none of them as elegant and spare). All of them will give you comparative rate charts. But those rates don't mean anything. After you select a provider, you have to fill out their application, whic…

Agree: great start on possible plans in the area, but the leg work is in filling out the application (that can be tedious/long if you have any medical history), obtaining a real quote, and then comparing the plan details. Another leg work item is understanding the plan details. While it is great to see initial set of plans, it is hard to compare plans (how does United Health "Saver 80" compare to the IHC Group "Freed…

I develop for a company that does much of this. Electronic applications, plan comparisons, drug rates, etc. Also, you can phone in and have someone help you through the process. Is this more of what you would like so see?

https://www.extendhealth.com/health-insurance/quote/search

Re: Show HN: PickHealthInsurance.com

#96

Post by xtracto »

MJR wrote: post #91
gurgeous wrote: post #2

I'm releasing the first version of PickHealthInsurance today. It helps you compare health insurance plans (individual, not group) in the US. I put this together over a few weekends. My COBRA is about to run out and I found it exceptionally difficult to compare plans and prices with the existing sites. This is the third time I've had to buy individual insurance and I finally decided to do something about it. Things cr…

- start showing approximate rates almost immediately, don't pester me with a bunch of questions Your core problem is going to be that approximate rates are based on answers to questions. The fewer questions you answer the less accurate your rate will be. Go talk to a few agents and let them draw out the benefits for you, they are free to you and they exist for this very purpose!

Why not add some kind of price range instead of a point price?.

Re: Show HN: PickHealthInsurance.com

#97

Post by zeraholladay »

gurgeous wrote: post #2

I'm releasing the first version of PickHealthInsurance today. It helps you compare health insurance plans (individual, not group) in the US. I put this together over a few weekends. My COBRA is about to run out and I found it exceptionally difficult to compare plans and prices with the existing sites. This is the third time I've had to buy individual insurance and I finally decided to do something about it. Things cr…

Thanks, you're awesome! This was exactly what I needed. I'm switching jobs and receiving a monthly figure to buy insurance. It's very easy to use, looks clean and PDQ. Great work.

Re: Show HN: PickHealthInsurance.com

#98

Post by neovive »

gurgeous wrote: post #2

I'm releasing the first version of PickHealthInsurance today. It helps you compare health insurance plans (individual, not group) in the US. I put this together over a few weekends. My COBRA is about to run out and I found it exceptionally difficult to compare plans and prices with the existing sites. This is the third time I've had to buy individual insurance and I finally decided to do something about it. Things cr…

Looks great and definitely fills a great need. Definitely consider a side-by-side comparison option for the plans.

BTW: Twitter Bootstrap looks like a great base template. I'm surprised I have never seen it before.

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