You want the
lowest cost per year that will fit your budget, of course. But, even more importantly, you
want a company that has a good record for paying without fighting with you on every
detail. Just as there is a car for just about any budget, there is also affordable health
insurance. You may not be able to afford a "Cadillac" policy, but then you
probably don't need all the frills anyway.
Shopping for health insurance on the Internet is the easiest and best way to find
affordable health insurance. Here are five reasons why.
1. You don't need a local agent to help you submit the claims for
health insurance. The medical provider does it for you. You save money because the health
insurance company saves money by not paying the agent commission. This could amount to an
8% to 12% savings to you.
2. All the top health insurance companies are at your fingertips on the Internet. Most
local agents can only quote you from the few companies that they represent. They may not
offer you what is best for you financially or health-wise but only what they happen to
have available.
3. Health insurance companies
have to be extremely competitive because it is so quick and easy to compare them with
their competitors on the Internet today. In the past you would have had to visit
physically eight to ten agents to do a similar comparison. Most folks just didn't have the
time or desire for that.
4. You can change your coverage,
deductibles, and payment options with just a few clicks rather than going through the
paperwork delay with a local agent (and then finding out he/she made a mistake - more
delay).
5. Charging to a credit card
means you aren't going to forget a payment and be without insurance. Also, many companies
today give an additional discount for "auto-pay".
The key, however, to finding affordable health insurance is realizing that the purpose of
any health insurance is to protect you from a major financial loss -- not to protect you
from spending small money on clinic visits and sliver removal. These small expenses may be
cumbersome but they generally will not hurt you. It's the $100,000 heart operation that
will break you. That's the financial disaster health insurance was originally designed to
prevent.
Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are
gambling that you will draw out more than you pay in. Your health insurance company is
gambling they will pay out less. The odds are in their favor for two reasons. They have
all the facts for millions of families to average out, so they know the risk in advance.
Also, they get to set the rules and the prices. The higher you set your deductible, the
more risk you take. This is not a bad thing at all. You will most likely be the winner in
the long run.
Yes, finding affordable health insurance is much easier than most people think.
Taking more of the risk with higher deductibles, spending a little time on the internet
comparing eight to ten different companies, and deleting coverage that you will not likely
need (such as maternity for many folks) will make it very possible to find your own
affordable health insurance.
So, why not get started. It costs nothing to click:
