Thursday

Tips to Finding Low Cost Health Insurance

While the idea of low cost health insurance may seem like one that is far out of reach, it can actually be found if you are ready to do a bit of homework on your own. Of course in order to find a great deal, first you need to decide what type of coverage you are going to need - fee for service, or managed care. Of course these low cost plans for health insurance are not to be confused with group health insurance plans that are often offered through employers. But if your employer does not offer a good health insurance program or any program at all, you need to find your own.

If you are looking for a good health insurance plan that won't break your budget, you'll find that there are a variety of factors that are influencing what you will pay. However, there are some things that you can do to change these factors, bringing down the amount you'll have to pay for your insurance.

Smart Health Choices That Can Help - Believe it or not, one of the main things that health insurance companies are going to be looking at is your health, and you need to make sure that your health is in great shape. Here are a few great health choices you can make to help you get the low cost health insurance that you need.

* Lower Your Weight - First of all, you'll find that health insurance companies are going to be looking at your weight when deciding on your premium, and losing weight can definitely help. Why? Well, usually people who are overweight end up dealing with more health problems, making them a higher risk. This higher risk will end up costing you on your premium. So, eating right and exercising can help you lose weight and lower what you'll have to pay for insurance.

* Stop Smoking - Yes, smoking can make you pay more for your health insurance. Smokers are more likely to deal with health problems as well, and you can expect to pay a significantly higher premium on your policy if you stop smoking and keep from smoking for an entire year.

Increase Your Deductible to Save - Another way that you can work on getting the low cost health insurance you want is to increase your deductible. The higher deductible you have, the more likely you are to save on your premium, but just remember that you'll have to pay that deductible at some point, so be sure you really can afford to pay it.

Comparing Plans to Save Money - One of the best things that you can do if you want to save money on your health insurance is to take some time and compare various health insurance plans. There are many types of plans and many different companies that offer them. So, make sure to take some time to compare these companies and their prices so you can get the best possible price.

These are just a few of the things that you can do to help make sure you get low cost health insurance. Staying healthy is important and good insurance can help you do this. Just make sure you follow these tips to make sure you're not paying a fortune for your coverage. Going with a brand name insurance company is probably going to cost you the most, but that does not guarantee better coverage, so don't eliminate other companies that you may have never heard of before.