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5 Tips for Lowering Your Health Insurance Premium

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With the implementation of the Affordable Care Act, some Americans are finding themselves shopping for health insurance for the first time. While some individuals found themselves with coverage thanks to Medicaid, many more people found themselves with high-priced premiums and decreased coverage. Finding insurance that will meet your family’s needs without breaking your monthly budget can be a Herculean task. Included here are a few tips to help you lower your health insurance premium.

Quit Smoking

While the healthcare reform may have altered the insurance landscape in that you cannot be refused coverage, insurance companies are still able to charge a “premium” for those who smoke. Smoking increases your risk of COPD, asthma and lung cancer which can end up costing your insurance company. In return, they charge you more up front on your monthly premium, as much as 50% more for the same coverage as a non-smoker. [Read more…]

Originally posted on December 21, 2015 @ 10:32 pm

5 Tips for Getting the Right Health Insurance

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Getting the right health insurance has never been more important than it is today. Health care is the best it has ever been, but costs can also be out of this world if the right insurance isn’t in place before certain medical conditions or even accidents occur.

health insurance

To prevent getting in a bad situation where you can’t get the care you need, or getting the care you need and it making you or your family go bankrupt, consider the five following tips – talk to a local representative about health care options, keep up on the latest healthcare news, be aware of how deductibles work, talk about taxes with your family, and communicate regularly with your doctor about health care issues. [Read more…]

Originally posted on November 2, 2015 @ 6:48 pm

How to Obtain Temporary Health Insurance

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It’s not all the time that people have health insurance coverage. Sometimes, a person’s situation could cause him to live without health protection although only for a short period of time. Employment issues such as being laid off from work and financial difficulty are common reasons for an individual’s lack of health coverage.

There’s still a solution for this, though. At this point, it would be a good idea to secure a temporary or short term health insurance. By temporary, it means the policy is good for only a specific time frame. And it is often used to protect the person while he or she is still looking for a job regardless whether the individual was previously laid off or is a new college graduate.

People need to be insured at all times if possible because you never know what will happen in your daily life. But if you have health coverage, you will save money from hospital and other medical-related costs even for minor injuries.
[Read more…]

Originally posted on October 5, 2012 @ 7:00 am