6 Secrets for Finding Affordable Health Insurance
As a health plan broker, I've spent the last 23 years helping people find affordable health insurance. Along the way I've learned how to trim the price of health insurance without trimming the quality. Here are a few of my secrets:#1) Don't be afraid to consider plans with higher deductibles. Insurance, by definition, is protection from serious financial loss. A good plan, even with a high deductible, can give you that protection. As a bonus, many of these types of plans will waive the deductible for routine office visits, routine physicals, and generic drugs.#2) Take a look at HSA plans. In the last few years a new type of plan has become available. These are called HSA (Health Savings Account) eligible plans. They are low cost, high deductible health plans that offer outstanding tax benefits. Any good health insurance company offers them.#3) If you don't need maternity, drop it. You can lower your premium by choosing a plan without maternity. And remember, for family coverage, not everyone has to be on the same plan. To lower your cost you can get a plan with maternity for the person who needs it and a plan without maternity for the other family members.#4) A quick word about basic, hospital only coverage: Caution. Yes, I know those super low prices are tempting, but there is a risk. You can rack up huge medical bills without ever stepping foot in a hospital. That being said, if that's all that's affordable at the present time, it's better than nothing, and you can try to upgrade when finances allow.#5) HMO's vs. PPO's. Many people think that HMO's are cheaper than PPO's but usually that's not the case. If you're looking for good quality insurance at the lowest possible price and you don't mind a higher deductible, then a PPO will be cheaper. If you want the richest benefits possible with little or no deductible, then you might consider an HMO. Remember, though, an HMO is less flexible and there are restrictions on which doctors you can use.#6) Get some help. In your quest for affordable health insurance, sometimes it helps to talk with a professional. Make a few phone calls. Find an experienced, friendly health plan broker that offers several different companies. It won't cost you anything (we're paid by the insurance carriers), but it will probably save you time, money, and frustration.
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