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Things To Consider When Shopping for Affordable Health Insurance
Health insurance should be a necessity to anyone now more than ever due to the high costs of medical care when we are sick. Although, general check ups and occasional doctor visits can be costly, they are nothing compared to a costly health illness. If you need lots of medical care, it can be very costly.
This makes finding affordable health insurance a necessity to any and everyone these days. This is even more critical for the self-employed who must pay for all the insurance costs on their own. In addition to this, if you have a pre-existing condition, you are in real trouble because it most likely won't be covered.
One of the best ways to get affordable health insurance is by getting a group plan although this is normally done through an employer. That employer generally pays some or even all of the insurance cost for the employee but the employee may choose to add a spouse or a family member at an additional cost. Many people work for an employer for this very reason, or continue working long after the eligibility of retirement is met, just to have an affordable health insurance plan.
But, if you are self employed or lose the job, these affordable health insurance choices aren't offered to you, which can present a problem. However, you should be able to find something that is available for small business owners, and self-employed people but it will be at a much higher cost.
One of the best ways to make it more affordable to someone that is self-employed is to purchase a major medical policy. This is a policy that will cover major medical expenses and usually carries a very high deductible but a much more affordable insurance premium than you can get elsewhere.
A good idea is to check with several insurance companies to see if they offer group coverage for associations because this is yet another way to get affordable health insurance. Professional associations are eligible for group insurance so even if you are a sole proprietor this may allow you to participate. When looking for affordable health insurance choices, this option may pay for pre-existing conditions, which can be a huge benefit to anyone.
If you do have to go with an individual plan, affordable health insurance choices will decrease, but you still will have some options. There are ways to reduce what health insurance costs will be. For example, if you smoke, quit. Quitting smoking can significantly reduce the cost of your insurance premiums.
Also, you should take a long hard look at what you realistically must have. Would it be possible to reduce the amount of coverage? How much can you afford to pay at one time? All of these can hugely factor into the amount of your insurance premiums.
The higher this is, the more you should increase your deductible to help you have a lower premium. Also, consider your method of payment because simply paying for your insurance annually rather than monthly can save you money and present a more affordable health insurance option over time.
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Considerations for Health Insurance
The best way to get affordable health insurance is by getting a group plan, usually offered by an employer.
The self-employed should be able to find coverage, though at a much higher cost. Check with several insurance companies to see if they offer group coverage.
Least expensive is to purchase a major medical policy. It carries a high deductible but an affordable.
Other ways to reduce your rates:
- Increase your deductible for lower premiums
- Paying annually rather than monthly
- Quit smoking
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