Low Cost Health Insurance

In order to obtain low cost health insurance, you may need to accept a higher deducible or limit the services and procedures covered by the policy you purchase. Additionally, health insurance costs are generally lower when your policy is coupled with other policies, such as through an employer or a state pool.

Health insurance costs vary.

What influences health insurance costs? There are a variety of factors:

• The spectrum of coverage you want from the health insurance policy
• The flexibility you want to have with choosing a location and provider
• The amount of money you want to pay out of pocket for office visits and other health insurance expenses
• The amount of money you are willing to spend for the monthly premiums
• Your current health, and your health history
• The health insurance company you choose to provide you with coverage
• Your credit score

Generally, you increase your chances of obtaining health insurance at a low cost by purchasing the least amount of coverage and accepting the highest policy deductible possible. Additionally, if you have a history of good health and no preexisting health conditions, you are more likely to obtain lower cost health insurance than someone who has a history of poor health.

People who obtain health insurance coverage through employers may have less of an opportunity to hunt for discounts depending on the options offered through the employer. Rigid policies offered by certain employers may not present an opportunity for employees to save much money; however, employers with flexible coverage allow employees to pick and choose what plans and coverage are necessary.

If your health insurance is provided by your employer, you can take steps to make sure you lower the cost of your health insurance:

• Submit to a physical examination. If you are in good health you may be able to save money.
• Don't purchase additional insurance riders. For example, if you don't want vision insurance, waive the coverage to save money.
• Opt for a less flexible policy. You may not be able to choose which doctor you see and you may have to jump through some hoops to see a specialist, but less flexibility may save you money in premiums.

Talk to your employer if you feel as though the health insurance offered to employees is too costly. You may be able to talk your employer into selecting lower cost health insurance for employees, or to pick up a larger portion of the costs associated with the coverage.

If you do not receive health insurance through your employer for whatever reason, you will need to seek out individual coverage. Although this is generally more expensive than health insurance provided by an employer, you can find low cost health insurance by doing some comparison shopping.

Consider utilizing the services of a health insurance broker or website that allows you to compare numerous offers from a variety of companies. Here is a brief list of websites that can help you shop for low cost health insurance:

• eHealth Insurance
• My Insurance Expert
• Premier Healthcare Online

Submit a quote request through one of these sites, or through another site that offers quote comparisons, to find out which health insurance company can offer you the lowest costs for the coverage you want.

Some states offer insurance pools which group together individuals who do not have employer-provided coverage and provide them with health insurance at a reduced cost. These programs can save individuals quite a bit of money over individual coverage, but there can be a long waiting list to join the pool. Check with your state's insurance commission to find out if your state offers an insurance pool, and to find out the eligibility requirements.

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