- Health Insurance California - How to Save 30% to 40% Today
- By:Alexis Jensen
The cost of health insurance here in the Golden State is outrageous and it is making a lot of people sick. In fact, health premiums are so high that more than 16% of all Californians can't afford any type of health coverage at all. But there is an answer - a simple little secret. And it's a little secret that your broker hopes you'll never learn that can save you as much as 30 to even 40% each and every month on the cost of your health policy.
But before I reveal the Big Secret there are several smaller secrets that anyone can do to cut the cost of their monthly premium even more!
Pay your premium automatically every month. Believe it or not, it costs a lot to mail a bill to you every month. And guess who pays for that? You do. If you pay your premium directly from your bank account every month you eliminate that expense and your company will gladly lower your premium.
Most policies are written with a standard co-payment of 25%. That's fine if you see your doctor on a regular basis, but if you only see your doctor a few times each year you may be able to save a lot simply by increasing your co-pay to 50%.
If you are overweight you'll pay more for your health insurance. That's a simple fact. One way to lose weight is to cut out all fast food burgers and fries. A burger and fries meal adds enough fat into your system to kill a horse as well as more than 1,000 calories and just a ton of cholesterol. Stop eating fast food burgers and fries - you'll live longer and save money on your health care!
If you smoke or use chew then it's foolish for you to look for cheap health insurance. Deep down in your heart you know that. How serious are you about finding the lowest price possible for your health coverage? Are you serious enough to do what needs to be done? Are you serious enough to quit all tobacco products?
Increase your deductible if possible. The higher your deductible the lower your monthly premium - sometimes dramatically. But this is a balancing act. You can't increase your deductible too much or you won't be able to afford to pay it each year. Use common sense.
So what's this Big Secret to saving as much money as possible on your health insurance here in California - as much as 30 to even 40% every month? The trick is to simply buy your policy online.
Online brokers sell policies at wholesale prices. They can do this because they have little or no overhead. There's also a lot of competition online and the only way for an online broker to stay competitive is to cut prices until it hurts...hurts the broker, not you.
The upshot is - you win! You save 30% to 40% on the cost of your health insurance by doing nothing more than shopping from the comfort of your own home. What could be more perfect?
Actually there is another perk. When you shop online there's no broker looking over your shoulder and sweet-talking you into buying more insurance than you need - and more than you can afford!
If you're looking for the best possible price for your health insurance here in California then I urge you to get online right now and see for yourself just how big your savings can truly be.