I just updated my guide to buying individual health insurance in Texas. For the record, as a 44 year old, I obtained health coverage with $5000 for $132 with Aetna Texas in Jan, 2009. By April, it had hit $188. I switched to a comparable plan with United Health with $5000 deductible for $167.
Even though I asked a lot of questions about the new policy and took good notes, I still feel that I’m missing a lot and making a half-informed decision. This is unsurprising given the fact that choosing a health care plan requires a lot of mental effort and time (a good 2 hours).
For now I am still healthy, but I expect there will come a time when a medical history will start to make it harder to find a good private plan.