| I'm sure you've heard of the dozens and dozens of | | | | charge you each month. |
| websites out there that will allow you to compare | | | | In fact, some people elect to purchase |
| health insurance policies between different companies | | | | super-high-deductible health insurance policies. Many of |
| so that you can find the best rate with just the push of | | | | these super-high-deductible policies have deductibles of |
| a button. | | | | $2,000 or even $3,000, with relatively low monthly |
| While these sites are great, and I will be recommending | | | | premiums. This means that in a normal year these |
| that you visit several of these sites in just a moment, | | | | insurance policies may not pay even a penny toward |
| there are a few things that you need to do before | | | | doctor's visits, lab work, or even simple out-patient |
| jumping online if you really and truly want to find the | | | | procedures. |
| cheapest health insurance here in New Hampshire. | | | | Where these policies become indispensable is in the |
| Let's start with the fact that if you live in New | | | | event of a major catastrophic illness or an accident, |
| Hampshire you need to be aware of NHHP, or the | | | | the kind that creates medical bills of tens or even |
| New Hampshire Health Plan. If you have been denied | | | | hundreds of thousands of dollars. Just one major |
| coverage from private insurance companies, especially | | | | accident or illness could wipe out years of life savings |
| if you have been denied coverage because of any | | | | and even put your home in jeopardy in almost less |
| pre-existing condition, then you need to consult the | | | | time than it has taken you to read this article. |
| New Hampshire Health Plan website at | | | | You've looked at your copayment needs and you've |
| But whether you qualify for NHHP coverage or not, | | | | calculated the highest deductible you can afford, so |
| you still want the best possible monthly premium | | | | now it's time to get online and find at least three |
| payment and to get that you really need to take a | | | | different websites that let you compare different |
| few simple steps. | | | | health insurance policies from different insurance |
| First, decide on what kind of a copayment you can | | | | companies head-to-head, so you can see for yourself |
| afford each time you visit your doctor's office or each | | | | which policy has the most coverage for the least |
| time you have lab work or other medical procedures. If | | | | amount of money. |
| you can afford to increase the size of your copay, to, | | | | Don't be fooled into thinking that you've found the best |
| say, 50%, you can greatly lower your monthly premium | | | | deal just because you've looked at one website. The |
| payment. | | | | site you looked at does not compare every insurance |
| This can be especially beneficial to people who do not | | | | company out there. The only way for you to know for |
| see a doctor on a regular basis. | | | | sure that you've gotten the cheapest health insurance |
| Probably the most dramatic way you can lower the | | | | available in New Hampshire is to fill out the forms and |
| monthly cost of your health insurance is to increase | | | | make the comparisons on at least three different sites. |
| your deductible. When you increase your deductible | | | | It takes a little extra time to make all of the necessary |
| you increase the amount of money that you will pay | | | | comparisons, but the result is that you now know, |
| each year for your own medical needs before you | | | | beyond a doubt, that you have gotten the cheapest |
| ask your insurance to start paying its share. The more | | | | health insurance possible in the entire state of New |
| you are willing to pay - in other words, the higher your | | | | Hampshire. |
| deductible - then the less your insurance company will | | | | |