Table: Pricey Policies

Paying for health coverage on your own is more expensive than using a company-sponsored plan. Below are sample monthly rates for healthy appli- cants in one Midwestern state. This is for a policy with a $500 annual deductible, paying 80% of the bills until your out-of-pocket costs reach $1,000--100% afterward.

NON-SMOKER/ NON-SMOKER/ AGE MALE SMOKER/MALE FEMALE SMOKER/FEMALE

55 $300/mo. $450/mo. $250/mo. $400/mo. 60 340 550 275 440 63 360 600 275 450

Data: Brecek & Young Advisors

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