Health Insurance Guide - Quotes Health Insurance Section

Quotes Health Insurance Navigation



Personal Health Insurance Quotes
Maryland Health Insurance Companies
Private Health Insurance Administration Council
Individual Health Insurance Companies
Group Health Insurance Companies
Etna Health Insurance
Individual Health Insurance Providers
Health Insurance Companies In North Carolina
Health Insurance Danmark
Private Individual Health Insurance
Health Insurance Estimates
Private Health Insurance Australia
Health Insurance For College Students
Affordable Group Health Insurance
Health Insurance Companies In Nj
Affordable Individual Health Insurance
Wa State Health Insurance
Major Medical Health Insurance
Health Insurance Plans For Individuals
Temporary Health Insurance
Health Insurance Definition
Health Insurance Brokers
Health Insurance Wa State
Private Health Insurance Ombudsman
Private Health Insurance In Canada

Best Sellers

Annuities: The Shocking Secrets Revealed.
Discover the Shocking Secrets that Banks and Insurance Companies Don't Want You to Know.

Affirmations Software - Sculptor3.
Affirmation goal setting motivational software, for improved mental/physical health, personal growth.

The Power Of Positive Habits E-Book.
Learn how to Re-Program your Mind & Body and reach your goals Automatically!

Self Improvement: The Top 101 Experts.
This eBook is best described as an Encyclopedia of Self Improvement with information on 101 of the top Experts in the industry.

Find Spiritual Balance With Deepak Chopra & Authentic Ayurvedic Products At Chopra.com

Best Quotes Health Insurance products

Instant Health Insurance Quotes

Get a FREE Glucose Meter at FreeGlucoseMeter.com!


Simple. Affordable. Accurate. Shop the OMRON® Webstore!

Blood Pressure Monitors from Omron Webstore!


Main Quotes Health Insurance sponsors

Quotes Health Insurance

 

Latest Quotes Health Insurance Amazon Book Added




Partners

 

Welcome to Health Insurance Guide

Quotes Health Insurance Article

Keeping Your Health Insurance Premiums Low
Wiley P. Long III

Health Savings Accounts offer tax deductions for medical

expenses, and the opportunity to set up additional retirement
accounts. But regardless of any other positive benefit of HSAs,
lower premiums are the primary reason that thousands of
Americans have chosen Health Savings Accounts as the best way to
protect their family's health and assets. So I'd like to talk
about some key suggestions on how to keep your premiums low.



1. Choose an HSA-qualified plan for lower rate increases.



Average group health insurance premiums rose by 9.6% last year
and rose over 10% for each of the previous six years. Individual
plans went up even more. Yet I expect most HSA plans to
experience much lower rate increases. A very large study was
recently published showing that rate increases over the past
year for
href="http://www.health--savings--accounts.com">consumer driven
health plans such as HSA plans was only 3.4%. Blue Cross of
Minnesota has reported that its HSA customers spent 8% less than
their traditional insurance clients. Humana has reported claims'
costs of 4.9% for consumer-driven plans, versus a 19.2% increase
in claims for other plans. In fact, average HSA premiums for
individuals have actually dropped 19.5% during 2005.



The reason these plans will have lower rate increases is that
people who have HSA-qualifying
href="http://www.health--savings--accounts.com/hsa-plans.htm">hig
h deductible health insurance plans are likely to pay closer
attention to costs, and take better care of their health. For
instance, an HSA owner offered a statin drug to lower her
cholesterol may be more likely to request a generic version, or
ask her doctor if inexpensive nutritional supplements such as
niacin or fish oil may be a solution. These actions save the
insurance company money and should result in lower rate
increases.



2. Raise your deductible as your
href="http://www.health--savings--accounts.com">Health Savings
Account grows.



When you fund your account you build up a financial "cushion"
which allows you to raise your deductible as your account grows.
Every time you raise your deductible, your premium should go
down.



By the way, don't forget that every time you fund your account
you get an instant tax-deduction. When you offset the tax
savings against your premiums, you'll find your net cost for an
HSA plan can be very low.



The maximum allowable contribution goes up every year with the
rise of the Consumer Price Index. Final numbers are not out yet,
but in 2006 we expect the individual contribution limit to go up
to $2,700, and the family limit to be $5,450. So each year you
can deposit greater amounts into your HSA and continue to raise
your deductible, if you choose.



3. Stay healthy, so you can switch plans.



All health insurance plans have rate increases, and we've even
seen premiums jump on some HSA plans. If a rate increase happens
to you, you can switch to a different insurance company - but
only if you pass their underwriting requirements. If chronic
disease develops, you may be stuck with your current plan, and
its accompanying rate increases, for eternity. Or at least it
may seem that long...



If you pay attention to the pharmaceutical commercials, you
learn lifestyle really has nothing to do with disease, and it is
natural and healthy to be on many medications for the rest of
your life, which will then solve your health problems.



If you pay attention to the science, you know the truth is quite
different. It appears lifestyle is probably 95% of the picture,
and we know the occurrence of degenerative disease can be
dramatically reduced and even prevented.



Fortunately, I've found many of our customers are interested in
wellness, and disease prevention. After all, they're paying for
their own doctor visits if they do get sick. I also believe it
is because HSA owners are "forward thinking" people, and like to
plan for their future - both financial and physical. You can
improve your odds of excellent health with just a few key habits:



Eat very high quantities of fresh vegetables and fruits. Shoot
for 35% of your calories. This will lower your risk for
diabetes, high blood pressure, heart disease, cancer, and more.



Limit your intake of sugar and starchy carbohydrates like bread
and pasta. The majority of health problems in the U.S. are
related to metabolic diseases that involve insulin resistance.



Exercise and lift weights. Exercise guru Jack La Lanne just
turned 92 on September 26, and he says if you have muscles you
never feel old.



4. Compare your plan to other available plans at least once a
year, or whenever you get a rate increase.



Often-times people keep their plan much longer than they should,
and end up paying much more than they should. If your rates go
up, you can compare a wide variety of plans at
coverage through HSA for America, we automatically do this
analysis of available plans for you any time we are notified of
rate increases.



To your health and wealth,



Wiley Long President - HSA for America



About the author:

href="http://www.health--savings--accounts.com/wiley-long.htm">Wi
ley P. Long III Bio

Quotes Health Insurance News

Life Quotes: Some Life Insurance Rates Remain at All-Time Lows; Great Deals ... - PR Newswire (press release)


AllGov
Life Quotes: Some Life Insurance Rates Remain at All-Time Lows; Great Deals ...
PR Newswire (press release)
According to the Life and Health Insurance Foundation for Education (www.lifehappens.org), the cost of basic term life insurance has fallen by about 50 ...
Best Term Life Insurance Quote On The Internetlonad News

all 28 news articles »

Read more...

Online Health Insurance Quotes Are Availed In A Format That's Easy To Compare ... - OfficialWire (press release)


OfficialWire (press release)
Online Health Insurance Quotes Are Availed In A Format That's Easy To Compare ...
OfficialWire (press release)
This may be because we do not know the easiest way to go about obtaining health insurance quotes. The process is laden with many problems including: ...

and more »

Read more...

Ad Watch: Tea Party for O'Donnell - msnbc.com (blog)


Ad Watch: Tea Party for O'Donnell
msnbc.com (blog)
That could raise our health insurance premiums... and cuts billions from Medicare. Now our lieutenant governor is suing, so her health care will be there. ...

and more »

Read more...

Compare Health Insurance Quotes Online - It Is Faster Than Going Round ... - OfficialWire (press release)


The Stir (blog)
Compare Health Insurance Quotes Online - It Is Faster Than Going Round ...
OfficialWire (press release)
Much as choosing an affordable health insurance quote is important in helping one save some money, the cost alone is not enough to determine ...
Free Car Insurance Comparison Quote Website Offers 8 Quotes In 5 MinutesJazzou (blog)
Always Take The Time To Compare The Features Of Life Insurance Quotes Online ...OfficialWire (press release)
Best Term Life Insurance Quote On The InternetOfficialWire (press release)
OfficialWire (press release)
all 26 news articles »

Read more...

Have Pre-Existing Health Conditions? High Risk Pool Information for Consumers ... - Marketwire (press release)


Have Pre-Existing Health Conditions? High Risk Pool Information for Consumers ...
Marketwire (press release)
GoHealthInsurance explains health coverage options in plain English, provides free health insurance quotes, connects shoppers with local agents, ...

and more »

Read more...

eHealth, Inc. to Present at Upcoming Investor Conferences - MarketWatch (press release)


eHealth, Inc. to Present at Upcoming Investor Conferences
MarketWatch (press release)
eHealthInsurance.com, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health ...

and more »

Read more...

Does Secretary Clinton Have What It Takes? - ABC News (blog)


Does Secretary Clinton Have What It Takes?
ABC News (blog)
At a time when our resources should be directed at the kinds of things they've been directed at -- legislating, small business aid, health insurance and ...

and more »

Read more...

This site contains affiliate links where commission is earned when a purchase is made. Copyright 2010 Health Insurance Guide  •