For many people the idea of cheap health insurance companies online or anywhere else is just a myth. It has become so expensive that fully 16% of all Americans simply cannot afford it – and half of those who can are just barely managing to hold onto their insurance.
What can be done? Unfortunately the best solution at the moment seems to be to find ways to trim back the cost of health insurance on an individual by individual basis. Part of the answer, certainly, is to search out cheap companies online. But before you do that you should have some idea of different ways that you might be able to lower your cost of health care even before you get online and start comparing prices.
You can save money on your health insurance, for example, if you pay your premium automatically each month, saving your insurance company the cost of billing you. You’ll also save money of you don’t smoke or use chew or any other tobacco product.
If you can keep your weight under control you will also save money. Controlling weight is probably one of the mostly difficult things for many people to do, but if you can shed even just a few pounds it can often make a considerable difference in how much you pay for health insurance. Do your best because even a small success can potentially save you hundreds of dollars over the course of a year.
You’ll save money if you don’t participate in dangerous sports or extreme activities. You’ll also save money if you don’t drive a fancy and fast sports car or muscle car.
Group health insurance is always less expensive than individual insurance. Most people get theirs through their place of employment, but if your work doesn’t offer its employees this then you may want to look in other places.
You might be surprised to learn that many clubs, organizations, associations and other groups offer their members low-cost group health. Start asking around and see if you can find a club or organization that you can join that has an affordable insurance plan.
Get some exercise and start eating healthier. Exercising and eating healthier isn’t anywhere near as difficult as you think it will be. Once you get into the habit of NOT stopping at your favorite fast food joint every day, and once you get in the habit of walking or riding your bike for many of your errands you’ll find that it’s not really an imposition at all.
If you’re the kind of person who likes group activities try joining a mall-walking group and get your exercise with friends everyday.
If you don’t see your doctor on a regular basis you can save quite a bit of money by increasing your co-payment to 50%.
Similarly, you can save money immediately if you increase your deductible. You need to be careful, obviously, that you don’t promise to pay a larger deductible every year than you can actually afford.
Now – take the information you have learned from this article and then find 3 different websites online that encourage you to compare the prices of health insurance plans from different insurance companies.
Remember, each site only compares a few insurance companies, so if you really want to have the largest number of companies and prices to choose from you need to take the extra time and fill out the forms on 3 different price comparison sites.
But that’s it. Once you’ve made your comparisons and reviewed all of the prices you found you should be able to spot the cheap insurance companies online without a problem.