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