Inexpensive Health Insurance: Helping You Stay Healthy
Just because you're healthy doesn't mean you don't need health insurance. In fact, health insurance is meant to help you stay healthy!
But many people mistakenly think they can't afford to pay for health insurance to maintain their health. In many cases, that's simply not true. And health insurance doesn't just help in maintaining your physical health, it can protect your financial health as well.
A 2005 Harvard University study of nearly 2,000 Americans in bankruptcy courts revealed that half were there because of illness or medical bills.
Making Lifestyle Changes
If you're uninsured, don't despair: we can help you find inexpensive health insurance that fits your budget. We understand how tight household budgets are these days and, at the same time, we want to help you get--and stay--healthy.
But first you must help yourself.
How? Start by doing everything possible to lead a healthy lifestyle:
- If you currently smoke or use tobacco, stop.
- If you don't exercise or eat a well-balanced diet, start.
- See your doctor for annual physicals so problems can be detected right away, before they get out of hand.
- Limit your alcohol consumption.
No one can make these lifestyle changes for you; you'll have to make them yourself. But staying healthy is the best way to get cheap health insurance.
Locating Discount Health Care
Beyond making lifestyle changes, there are several other ways to find affordable health insurance, while still maximizing coverage. We suggest these tips for best results:
- See if you qualify for group health insurance. Check with your employer, an alumni association or professional group you belong to. Many organizations offer group plans at discounted rates--a big money-saver when it comes to your premiums.
- Examine individual health plans. They're less expensive than you might think!
- Consider pairing a Health Savings Account (HSA) with a health insurance plan. An HSA allows you to use pre-tax dollars to cover routine health expenses, lowering the cost of your major medical insurance.
- Increase your deductibles. The more you're willing to pay before your insurance kicks in, the less you'll pay in insurance premiums.
- If you have a small income, check on state-sponsored programs through your state's division of insurance, or contact your local division of family services to see if you qualify for Medicaid. Many states have help available; you just have to ask.
Finally, make use of resources like the Internet and friends and family. Spend some time researching, reading and getting recommendations. Since health insurance quotes can vary widely from one insurer to another, these might be the shortest routes to the savings you need.