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Three Steps To Get More Affordable Health Insurance Rates

Nov 21st, 2012

Affordable Health Insurance RatesEach one of us will soon be required to have a health insurance policy. Whether you get health coverage from your employer or on your own, you need to know how to get better deals.

Buying health insurance can be very confusing, your goal is to find a balance between what you need and what you can afford. Is there really something you can do to get lower premiums and still have an insurance policy that protects you against the consequences of a major illness or an accident? Here are three simple tips to help you get more affordable health insurance rates:

Study your options

There are thousands of policies available out there and finding the one that suits you best can be challenging. You can do a google search for health insurance companies and visit their website to find out what is available in your state. From there, you can compare different rates from one carrier to another.

However, looking for the right company isn’t enough. You still need to search for the right policy for your needs. Health insurers offer many types of policies, but some states or counties may offer better coverage than others. You need to do extensive research to find the right policy and the right carrier.

Get a plan before you actually get sick or injured

With stricter insurance laws in place, health insurance companies are no longer allowed to raise their rates or drop policyholders because of illness or injury. However, they can still enforce strict guidelines for their applicants, especially on those who purchase health policies only after they need it. You can have more affordable premiums and save yourself a lot of hassle when you buy your policy beforehand.

Consider a health policy that covers more than just preventive checkups, even if you are relatively healthy. You might not need a plan that offers the most comprehensive coverage, but you need one that can protect you from the most likely or the most damaging events.

Look for discounts

Even the most reasonable health insurance rates may seem expensive when you consider your budget. Fortunately, you can do something to cut your premium payments further.

You can start by taking good care of your health. This is a very important step even without the incentive of a discount. Health insurers offer better deals to those who take good care of their health. Find ways to quit smoking, eat healthy, exercise at least three times a week, control your blood pressure, and keep your cholesterol levels down.

You need health insurance not only to protect your health but also against financial crisis in case you get sick or injured. It need not be a burden on your finances. Take some time to look at better deals so you will be protected against disaster as well as huge bills.

Source: VISTA Health Solutions

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"Vista Health Solutions" www.nyhealthinsurer.com Tel (888)215-4045 Email info@nyhealthinsurer.com