| Affordable health insurance - it seems, | | | | extremely competitive because it is so quick |
| especially today, those words just don't | | | | and easy to compare them with their |
| belong together in the same sentence. Health | | | | competitors on the internet today. In the |
| insurance monthly premiums have become the | | | | past you would have had to visit physically |
| biggest single expense in our lives - | | | | eight to ten agents to do a similar |
| surpassing even mortgage payments. In fact, | | | | comparison. Most folks just didn't have the |
| if you have any permanent health problems, | | | | time or desire for that. |
| such as diabetes, or have had cancer at one | | | | |
| time in your family history, your monthly | | | | 4. You can change your coverage, deductibles, |
| cost could easily be more than the house and | | | | and payment options with just a few clicks |
| car payment combined. | | | | rather than going through the paperwork delay |
| | | | with a local agent (and then finding out he |
| Shopping for affordable health insurance can | | | | she made a mistake - more delay). |
| certainly be an eye-opener. If you have | | | | |
| always had a health insurance benefit where | | | | 5. Charging to a credit card means you aren't |
| you work - especially a state or federal | | | | going to forget a payment and be without |
| employee - and now have to buy your own, you | | | | insurance. Also, it gives you another 30 days |
| may not be able to afford the level of health | | | | before you actually have to pay. Also, many |
| insurance coverage you have become used to. | | | | companies today give an additional discount |
| | | | for "auto-pay". |
| Affordable health insurance, however, is | | | | |
| definitely available -if you know how and | | | | The key, however, to finding affordable |
| where to look. | | | | health insurance is realizing that the |
| | | | purpose of any health insurance is to protect |
| When you are looking for affordable health | | | | you from a major financial loss - not to |
| insurance, you want the lowest cost per year | | | | protect you from spending small money on |
| that will fit your budget, of course. But, | | | | clinic visits and sliver removal. These small |
| even more importantly, you want a company | | | | expenses may be cumbersome but they generally |
| that has a good record for paying without | | | | will not hurt you. It's the $100,000 heart |
| fighting with you on every detail. Just as | | | | operation that will break you. That's the |
| there is a car for just about any budget, | | | | financial disaster health insurance was |
| there is also affordable health insurance. | | | | originally designed to prevent. |
| You may not be able to afford a "Cadillac" | | | | |
| policy - but then you probably don't need all | | | | Also, keep this in mind. Health insurance, as |
| the frills anyway. | | | | with any insurance, is a gamble. You are |
| | | | gambling that you will draw out more than you |
| Shopping for health insurance on the internet | | | | pay in. Your health insurance company is |
| is the easiest and best way to find | | | | gambling they will pay out less. The odds are |
| affordable health insurance. Here are five | | | | in their favor for two reasons. They have all |
| reasons why. | | | | the facts for millions of families to average |
| | | | out, so they know the risk in advance. Also, |
| 1. You don't need a local agent to help you | | | | they get to set the rules and the prices. The |
| submit the claims for health insurance. The | | | | higher you set your deductible, the more risk |
| medical provider does it for you. You save | | | | you take. This is not a bad thing at all. You |
| money because the health insurance company | | | | will most likely be the winner in the long |
| saves money by not paying the agent | | | | run. |
| commission. This could amount to an 8% to 12% | | | | |
| savings to you. | | | | Yes, finding affordable health insurance is |
| | | | much easier than most people think. |
| 2. All the top health insurance companies are | | | | |
| at your fingertips on the internet. Most | | | | Taking more of the risk with higher |
| local agents can only quote you from the few | | | | deductibles, spending a little time on the |
| companies that they represent. They may not | | | | internet comparing eight to ten different |
| offer you what is best for you financially or | | | | companies, and deleting coverage that you |
| health-wise but only what they happen to have | | | | will not likely need (such as maternity for |
| available. | | | | many folks) will make it very possible to |
| | | | find your own affordable health insurance. |
| 3. Health insurance companies have to be | | | | |