Affordable Individual Health Insurance - How to Get it

Are you looking for individual health insurance? Here's how to get affordable individual health insurance with a reputable company.

Compromise and Set Priorities

Affordable health insurance is out there, but you have to be willing to look hard and to make compromises. If you're looking for full coverage, a low deductible, and unlimited physician choices, you are going to have to pay more. But by making some choices and setting priorities, you can save a lot of money on your health insurance.

Here are the tree types of individual health insurance plans that will save you the most money:

Major medical plan - If you're in good health, choose a major medical plan that covers major medical illnesses and accidents only, and be prepared to pay for everyday expenses yourself.

Health savings plan - Look for a high-deductible insurance plan and combine it with a health savings plan into which you put money tax-free each month. You'll pay for your initial medical costs out of your health savings account, and your insurance plan will pay for major medical expenses.

Managed health care plan - Choose an HMO (health maintenance organization) or PPO (preferred provider organization), especially if you can find one that already includes your preferred physician and hospital. You will give up some flexibility and choice, but you will pay much lower premiums than with traditional fee-for-service plans.

Getting the Best Rate

Going to an insurance comparison website is the best way to shop for low prices on individual health insurance plans. On such a site, you fill out one simple form, typing in information about yourself, your general health, and your insurance needs. You then receive quotes from several A-rated insurance companies that you can compare to each other.

On the best comparison websites, you can also talk with insurance professionals about which plan would be best for you, plus get advice on how to lower your premium (see link below).

 

About the Author

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting affordable individual health insurance.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get affordable individual health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

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by: business Total views: 6 Word Count: 356 Date: Tue, 1 Apr 2008 Time: 2:13 PM 0 comments