Article Surfing Archive

If you are scrambling to find a cheap health insurance company you are not alone. It is estimated that over 50% of all Americans who have health insurance can barely afford to pay the premium each month, and fully 16% of all Americans can't afford any health insurance at all.

Fortunately there are things almost every American can do that will lower the cost of their health insurance - although some things are, admittedly, easier to do than others.

If you smoke or use chew you need to quit. It's that simple. You will never get the lowest possible price on health insurance if you smoke or if you use chew.

If you are overweight you will also never get the best price possible on your health insurance. Again, sadly, this is simply a fact of life. Losing even a few pounds could put you into a lower weight category with your insurance company and that could save you some big bucks over time, so do your best - every pound counts!

Regular participation in extreme sports will increase the cost of your health insurance. Even driving a fast and flashy sports car will increase how much you pay every month for your insurance.

Eating the wrong foods can increase how much you pay for insurance. Stop eating at fast food restaurants - or at least cut the number of days you eat at fast food restaurants in half. And stop ordering fries and other fried foods. It may seem difficult at first, but you'd be surprised how quickly you'll adapt.

Eat more fish and less fatty red meat. Eat a piece of fruit every day and have a vegetable with your meal.

Walk more. Walk around the block three days a week. Join a group that walks around the mall in the mornings. Ride a bike or walk to do as many errands as you can. Just get up and move!

Pay your health insurance premium automatically each month from your bank account.

Increase your co-payment. A 50% co-pay each time you visit your doctor will save you quite a bit every month on your premium.

Increasing your deductible is probably the fastest and the easiest way to lower the cost of your health insurance. Just be sure you can afford to pay your deductible each year.

Consider a Heath Savings Account, or HSA. An HSA is a tax-free savings account out of which you pay for your medical needs every year. Anything left over in your account at the end of the year rolls over tax-free into the following year.

Part of your HSA account includes a low-cost super high deductible health insurance. This low-cost health insurance has a deductible of around $1,100 for an individual or $2,200 for a family. Your insurance is not designed to pay anything each year toward your normal health needs. Instead this insurance is designed to protect your home and other assets if you should suffer a catastrophic event that runs up astronomical medical bills.

HSA policies can be purchased through your credit union or your bank or through an insurance company or even through your employer.

If you have decided on traditional health insurance but you need to save as much money as possible then use what you have learned in this article to fill out the form on at least 3 different websites that permit you to compare health insurance prices from different insurance companies.

You'll need to fill out the form on at least 3 different sites if you're really serious about finding the absolutely lowest price for your health insurance since each individual site only compares prices from a few companies.

Once you've finished making all of your price comparisons you'll simply choose the best price you've found and you're done!