Health insurance can be expensive, but not having any can be much more costly. But with the right choices, it is possible to save money and find affordable health insurance coverage. There’s no need to take a risk with your health or wait for a medical emergency to push you into bankruptcy.
These days health care costs are skyrocketing:
The tale of an 11-year-old’s $5,000 stomachache reveals the Twilight Zone of hospital billing. The charges seem arbitrary if not indefensible. http://articles.latimes.com/2012/mar/24/local/la-me-lopez-medicalcosts-20120325
You need to protect yourself from these rising costs and any possible emergency.
One of the best reasons to be employed is to get health coverage through your employer. If your employer has the option for health coverage take advantage of it!
But if you are a budding entrepreneur or internet marketer who wants to start your own business, then you need to look into insuring yourself.
Health coverage comes in all sorts and flavors. Many times the cheapest plan won’t give you the best coverage. So, take a close look at the coverage that the health insurance provides. While most health insurance will cover a hospital stay and doctors visits, you may also want a policy that covers dental and prescription drugs.
Quite often, your upfront premiums will be balanced against your out of pocket deductibles. So, balance that against how often you are likely to visit the doctor in a year.
Also, keep in mind that you may also want to pay more for flexibility. The cheaper plans often limit you to a narrow network of providers, while the more expensive plans give you more flexibility. You can research each plans network before you pick your health insurance. You definitely want to pick a plan that fits your specific medical needs.
Picking the right plan can be a tough task. You don’t want to overspend on coverage that you don’t need, but at the same time you don’t want to open yourself up to risk.
You can start with some help by getting FREE Health Insurance Price Comparisons for Individuals and Families. This is a site that offers you a free quote based on a few simple questions.
As you can see, these are basic questions designed to simply find out your medical needs so that they can tailor the health insurance coverage to your needs. It’s a good way to narrow down the field to find the coverage that’s perfect for you.
eHealth Insurance will give you quotes for up to 5 health insurance carriers in your region. You can then call the agents and even bargain for lower rates. At the very least, you will get basic information on the type of health insurance that fits your needs so that you can shop intelligently.
I find that one of the best ways to start my research is by reading up online. You can read about the different kinds of health insurance and narrow down the coverage that fits your needs.
One you have a general idea of what you want, you can visit a site like eHealthinsurance and start the process for a free quote. You can then compare the choices that they give you.
You don’t have to pick the choices that they give you. However, it’s a great place to start your comparison process. You now have 5 different quotes for comparable health insurance so that you can bargain with other carriers as you do your independent research.
Information makes all the difference when you are trying to find the best, affordable health insurance for yourself and your family.