Hi,

yes health insurance does cost that much these days. Also, the older you are the more expensive it can sometimes be.

You can probably get it cheaper than your mother. However, any existing medical conditions you have will be waivered.

You can be turned down, or your rates increased, because of your pre-existing condition. And, yes, $400 is a very common premium.


I couldn't afford it myself, so I went with one of the discount healthcare plans instead. No one can be turned down, and they give discounts for everything. The discounts vary from 20% to 80% or more. They also cover dental & vision as you said you need. I saved $800 on a $1700 dental bill (obviously a major dental project).