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Health Insurance Agencies Article

How to Find Affordable Health Insurance
Nicky Pilkington

Affordable health insurance - it seems, especially today, those

words just don't belong together in the same sentence. Health
insurance monthly premiums have become the biggest single
expense in our lives - surpassing even mortgage payments. In
fact, if you have any permanent health problems, such as
diabetes, or have had cancer at one time in your family history,
your monthly cost could easily be more than the house and car
payment combined.



Shopping for affordable health insurance can certainly be an
eye-opener. If you have always had a health insurance benefit
where you work - especially a state or federal employee - and
now have to buy your own, you may not be able to afford the
level of health insurance coverage you have become used to.



Affordable health insurance, however, is definitely available
-if you know how and where to look.



When you are looking for affordable health insurance, you want
the lowest cost per year that will fit your budget, of course.
But, even more importantly, you want a company that has a good
record for paying without fighting with you on every detail.
Just as there is a car for just about any budget, there is also
affordable health insurance. You may not be able to afford a
"Cadillac" policy - but then you probably don't need all the
frills anyway.



Shopping for health insurance on the internet is the easiest and
best way to find affordable health insurance. Here are five
reasons why.



1. You don't need a local agent to help you submit the claims
for health insurance. The medical provider does it for you. You
save money because the health insurance company saves money by
not paying the agent commission. This could amount to an 8% to
12% savings to you. 2. All the top health insurance companies
are at your fingertips on the internet. Most local agents can
only quote you from the few companies that they represent. They
may not offer you what is best for you financially or
health-wise but only what they happen to have available. 3.
Health insurance companies have to be extremely competitive
because it is so quick and easy to compare them with their
competitors on the internet today. In the past you would have
had to visit physically eight to ten agents to do a similar
comparison. Most folks just didn't have the time or desire for
that. 4. You can change your coverage, deductibles, and payment
options with just a few clicks rather than going through the
paperwork delay with a local agent (and then finding out he/she
made a mistake - more delay). 5. Charging to a credit card means
you aren't going to forget a payment and be without insurance.
Also, it gives you another 30 days before you actually have to
pay. Also, many companies today give an additional discount for
"auto-pay".



The key, however, to finding affordable health insurance is
realizing that the purpose of any health insurance is to protect
you from a major financial loss - not to protect you from
spending small money on clinic visits and sliver removal. These
small expenses may be cumbersome but they generally will not
hurt you. It's the $100,000 heart operation that will break you.
That's the financial disaster health insurance was originally
designed to prevent.



Also, keep this in mind. Health insurance, as with any
insurance, is a gamble. You are gambling that you will draw out
more than you pay in. Your health insurance company is gambling
they will pay out less. The odds are in their favor for two
reasons. They have all the facts for millions of families to
average out, so they know the risk in advance. Also, they get to
set the rules and the prices. The higher you set your
deductible, the more risk you take. This is not a bad thing at
all. You will most likely be the winner in the long run.



Yes, finding affordable health insurance is much easier than
most people think.



Taking more of the risk with higher deductibles, spending a
little time on the internet comparing eight to ten different
companies, and deleting coverage that you will not likely need
(such as maternity for many folks) will make it very possible to
find your own affordable health insurance.



About the author:

Find out more about
href=http://www.healthandfinesse.com>General Health at




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