- Low Cost Health Insurance - How to Get the Lowest Price Possible
- By:Alexis Jensen
Low priced health insurance seems like a fleeting dream to most people these days. The cost for health coverage has gotten so high that almost one in five Americans can't afford any coverage at all and those who do have a health policy report that they can barely afford to pay the monthly premium. It's time someone spoke up and told the truth about health care costs. There's a secret that's been hidden from you - a deep, dark secret that your broker hopes you'll never stumble onto - that will let you get your health insurance at prices that haven't been seen in more than 10 years!
But before we step into the Way Back Machine and learn how we can get coverage today at yesterday's prices, there are a few more things you really need to know that can save you even MORE money.
Simple things...like paying your premium directly from your bank account each month rather than forcing your company to mail you an expensive bill every month. The costs savings are probably more than you think and the savings will show up on your monthly premium.
Stop eating at fast food restaurants. That burger and fries that you love to scarf down is costing you a LOT more than you think! A typical fast food meal is LOADED with calories and cholesterol. In fact, you can't believe how many calories are in a typical fast food burger and the number of calories in a bag of fries will astound you.
If you have any type of weight problem a lot of your pounds are directly attributable to fast food burgers and fries - and the more weight you carry the higher the cost of your health insurance. So please - do yourself, your heart, and your wallet a great big favor and Just Say No to fast food burgers and fries!
Smoking and using chew will also cost you more than you probably think. Not only will they shorten your life considerably, but the cost they add to your health insurance is astronomical! If you want to save money on your health costs then start by cutting out all tobacco products.
Most health policies come with a standard 25% co-payment each time you visit a doctor. If you see your doctor frequently every year then this arrangement may be a good thing. However, if you seldom see your doctor then you can probably save quite a bit simply by increasing your co-pay from 25% to 50%.
Increasing your deductible will save you money every month by reducing your premium cost. However, keep in mind that you will need to pay your deductible in cash every year before your company will even begin to kick in their share of your medical expenses, so don't promise to pay more than you can actually afford.
So what is this Big Secret that your broker hopes you'll never learn? The secret that would allow you to get your health insurance at wholesale prices? It's simple.
Buy your policy online.
It doesn't get much simpler than that. Online brokers have virtually no overhead. That means they can easily afford you sell you a policy at prices that haven't been seen in a decade or more and still make a profit.
In addition to no overhead, online brokers have just a ton of competition. And you know what competition means - prices cut even lower in order to compete successfully.
The bottom line is that you WIN on all counts. There is no way on earth to get your health insurance at a lower price than by buying your policy online. Your broker hopes you never figure that out.
There's another advantage to buying online. Not only will you get coverage at the lowest price possible, but there is no broker standing at your elbow talking you into buying more and more coverage that you don't really need and certainly can't afford.
Check it out yourself! Get online today and see for yourself just how much you can save simply by buying your policy online.
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