If you don’t have health insurance through your employer, you may have assumed that a health care plan will cost more than you can afford. However, there are many ways you can save on health insurance. Follow these tips to get the best rate for your family.
Consider Your Options
You have more options for health insurance than you think. For example, most states offer low-cost or no-cost insurance for children and seniors, as well as for low-income or unemployed adults. Check with your state’s department of insurance to see if you qualify for such a health care plan.
Follow a Healthy Lifestyle
You will pay less for your health insurance if you can show the insurance company that you have healthy habits. So quit smoking and start exercising and losing weight to save on your health insurance costs. You’ll also feel better and add years to your life.
Types of Private Health Insurance
Another alternative is private health insurance. You can keep your rates down by choosing your insurance wisely:
* Consider a PPO or HMO plan. You will need to choose your doctors and hospitals from a list approved by the insurance company, but your premium costs will be lower.
* Choose a plan with high deductibles. The higher your deductibles, the lower your premiums.
* Consider insurance that will just cover major medical illnesses, such as cancer and heart disease, and plan to pay for smaller expenses yourself.
Shop Around
As with any major purchase, you should comparison shop when you shop for insurance. Fortunately, the Internet makes it easy for you to compare insurance rates. You can go to an insurance comparison website and get fast quotes from multiple A-rated health insurance companies.
The best websites even let you talk with insurance professionals so you can ask questions and make sure you choose the best health insurance company with the best rate (see link below).
Visit or click on the following link to get health care plan quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on health care plans.
