Health Insurance of Realtors????? Any Ideas???

I was reading your article about health insurance and I thought I give you my 2 cents.  I was an insurance agent selling health, life and other products. Today, I am a real estate investor in Arizona. I think the best blend I found for the self employed is to mitigate the risk between small, medium and large claims. For small claims such as prescriptions doctor visits, test ext, I use the funds from a health savings plan that is fully tax deductable of the yearly contribution, ask your CPA.  For the medium to catastrophic, I would use an insurance coverage that has a $5K-10K deductable to keep the premiums affordable.  You will have to compare the contract terms in full detail to make an educated descion.  There are 100s of insurance companies that will insure the uninsurable. While Blue Cross and Blue shield likes to pick only the healthy and will and not a person with elevated cholesterol.   The medical savings plan could build quite substantially over time since you are in control of what you need. Doctors have a tendency of requesting too many unnecessary test, expensive drugs and such to over bill the carrier. However, when they see your coverage is limited or self insured as I suggest they actually come down to earth with their whild recommendations. I also found collusion between doctors, the pharma industry and 3^rd medical parties.  The facility the doctor wanted me to get a blood tests charges $650.00 and I found the same tests for $150.00 You can shop around for other medical services and find a huge price diference as I found.  I have stopped taking all the expensive prescriptions and have gone to a better diet and exercise, yes is painful at 54 but you will feel better, and will eliminate the side effects from the prescription drugs. My friends and relatives are saying that I actualy look younger.....Good luck Debbie.