Health Insurance Costs - 5 Ways To Reduce Yours
Health Insurance Costs - 5 Ways To Reduce Yours
Everywhere you turn folks are literally screaming about high health insurance costs. Isn't there something an individual can do to spend a lot less for now while we wait for the government to intervene with a better program? Thankfully, there are many things everyone can do. Here are some...
1. You can have your children insured through state plans if you need to reduce your health insurance cost. However, not everyone is eligible to use such state health insurance plans.
They will either be totally free or require very little payment so check to see if you're qualified. These state health insurance plans for kids will save you a lot of cash if you have a child with a special health condition when compared to what you'd pay if you go for standard health insurance.
2. Those whose vocations expose to hazards pay higher health insurance premiums. Changing over to a less-hazardous occupation will reduce your health insurance premium by a good margin. If your profession exposes you to toxic chemicals, for instance, your health insurance premiums will be much higher than that paid by a comparable profile who maybe works as a receptionist in a shop.
3. It's now generally known that smoking causes higher rates. What people might not know is that the same also applies if you use any other type of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher health insurance rate. Steering off all tobacco products will result in less expense in health insurance.
4. A group health expense sharing plan is a good option to reduce your health insurance cost. This is a situation where a group of people teams up to provide themselves health insurance coverage. They are usually found in large organizations like churches.
Each group usually creates its own set of rules, the kind and level of coverage provided, limitations if any and more.
You can check out such groups, know what they give and see if they match your health care needs. You can expect your health insurance rate to be far less if you get a group that fits your needs.
5. You will save a lot if you only have between 15-30 minutes. Visit, receive and compare quotes from several quotes sites.
I recommend that you use a minimum of five quotes sites since that will make it less likely that you'll miss out offers not carried by the other sites. This provides you a broader basis for doing more extensive comparisons thus increasing your chances of realizing more savings.
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