| Finding cheap health insurance is a problem for | | | | come. So make the effort - it could very well pay |
| almost everyone. Sometimes it seems as if there | | | | off in cash saved. |
| isn't such a thing as cheap health coverage any | | | | Can you afford to increase your co-payment to |
| more. | | | | 50% whenever you see your doctor? A 50% |
| While medical coverage may not be as cheap as | | | | co-pay will save you money every month on |
| it once was, there are still specific steps that | | | | premiums - and if you don't see your doctor on a |
| almost everyone can take that will greatly reduce | | | | regular basis could be just the thing you need to |
| the cost of plans. | | | | save money. |
| Find a group policy rather than individual health | | | | Don't take part in extreme or dangerous sports |
| coverage. If your place of work doesn't offer | | | | or other activities. And did you know that the car |
| group rates, check with any groups or clubs or | | | | you drive can affect how much you pay every |
| organizations or associations that you belong to; | | | | month? If you drive a fast and sporty car or if |
| many offer their members low-cost group | | | | you drive a fast muscle car you could end up |
| medical coverage. | | | | paying more for your coverage. |
| If you don't belong to a group or organization that | | | | Don't smoke and don't use chew. There's really |
| offers its members group health insurance then | | | | not much to say about this - just that if you are |
| maybe one of your friends or family members | | | | truly serious about getting cheap health premiums |
| belongs to such a club. If so, join. | | | | then you'll give up tobacco products. Period. |
| You've probably heard this before, but that | | | | If you have a home based business it is possible |
| doesn't make it any less true: change your diet | | | | that you could qualify for group rates even if you |
| and start exercising. Stop eating fast food except | | | | don't have any employees except for your |
| on rare occasions - and when you do, don't order | | | | spouse. It is also possible that a portion of your |
| the fried foods. Eat more vegetables and eat an | | | | premiums could be tax deductible - saving you |
| apple a day. | | | | money on taxes each year. |
| Get a little exercise as well. You don't need to join | | | | Increasing your deductible always lowers your |
| a gym and you don't need to pull out your credit | | | | cost. Figure out what the largest deductible you |
| card the next time you see an infomercial with | | | | can afford is - and then go for it. |
| the latest and greatest exercise gizmo. Just ride a | | | | Now it's time to take everything you have |
| bike three times a week - or walk around the | | | | learned from this article and go to 3 of the |
| block a couple of times. Join one of those groups | | | | websites that let you make side-by-side price |
| that walk around the mall every morning. As the | | | | comparisons of health plans from different |
| billboards say...just get out and DO. | | | | companies. Fill out the forms on all three sites |
| If you're overweight you're going to have to | | | | using the exact same information each time so |
| make an effort to shed a few pounds if you're | | | | that you are always comparing the same policy. |
| serious about getting cheap health premiums. You | | | | When you've finished that you're basically done. |
| are going to be asked about your BMI - your | | | | Just look at all of your results and choose the |
| Body Mass Index. The higher your Index number | | | | lowest-priced policy you find. Doing your |
| the higher your monthly premium. | | | | homework (reading this article) and then making |
| The good news is that sometimes just losing a | | | | comparisons on at least 3 different websites is |
| few pounds will let you drop a notch down on the | | | | how to get cheap health insurance online in |
| insurance company's BMI scale, and if that | | | | Louisiana. |
| happens then you will save money for years to | | | | |