There are many ways to save on health insurance.
However, not all of them might apply in your particular case.
I'll list a good number of ways in this article and it will be totally up to you to go through them and see those that apply to you.
Implementing them will make a positive impact on your budget.
Here we go...
1.
If you find it quite hard to buy a regular plan, you may qualify for Medicaid.
Different states have different rules for eligibility.
But fundamentally, they are for families with low incomes.
Having a job does not disqualify you.
Even if you do not meet eligibility requirements another family member might and that will help bring down your family health insurance spend.
You can verify if you or yours are qualified from your state's Medicaid program.
2.
Lose weight and your premium will drop.
Your BMI or Body Mass Index is a very serious factor in calculating your risk to an insurer.
A high Body Mass Index will always get an expensive rate all other things being equal.
If your Body Mass Index rating is high it simply means that your weight is too much for your height.
Now do not wait until when you can lose 30 pounds because losing as little as 5 pounds can drop you into a lower Body Mass Index rating which will result in cheaper rates.
3.
Notwithstanding the fact that you're warned against self-medication, there are times when you shouldn't visit a doctor.
Take, for example, a viral infection like flu.
A visit to your doctor will change nothing about your health if you understand what to do.
It is generally known that doctors cannot do you much good if you have a viral infection.
So is it wise to spend close to $100 to see a doctor when you already know that your condition would not be helped much? This is also true of simple first aid treatment.
If you do not know such little things spend time reading books on them especially if you have little kids.
There are several things that you can (and should) take care of if you've invested the time to learn and also have a well-equipped first aid box.
But even in those cases if you are not certain of what to do visit a doctor because it is better to lose money than to endanger your life.
And, even for those who do are versed in first aid, know your boundaries.
The law forbids you to do certain things if you are not a certified medical personnel.
Just handle what you should handle on your own and avoid what you should not.
This will reduce your visits to the doctor and, as well, reduce your health insurance cost.
4.
An outstanding credit rating will show in your favor with respect to your rate.
A poor credit history will cost you in higher health insurance rates.
It's usual for insurance providers to predict that a person who fails in credit card payments will likely default in premiums.
This perception of increased risk makes such individuals pay higher rates in health insurance and other insurance policies.
5.
A group health expense sharing plan is a good option to lower your rate.
This refers to a group of individuals who have decided to collectively give themselves coverage.
You can find such groups in large associations.
Each usually fashions its own policies and determines the kind and extent of coverage members get.
You can check out groups like this, know what they provide and see if they fit your personal needs.
You can expect your health insurance cost to be far less if you find a group that fits your needs.
6.
As you do everything make sure you get and compare quotes from five or more sites.
Insurance quotes sites offer a great opportunity to help you save a lot in spite of your profile.
This is because offers not represented by one site would be covered by another.
This gives you a broader basis for doing more thorough comparisons thus increasing your chances of realizing more savings.