Cheap High Risk Medical Insurance In Alabama

The cost of health insurance in Alabama is so high that more than 50% of all Alabama residents who have health insurance admit that the cost of their premiums is a severe financial burden every month. And with the cost of health care constantly rising, the situation only promises to get worse. Before it does, I hope you will take a moment to consider several simple ways for you to cut the cost of your health insurance.

You can get a better price on your health insurance if you simply pay your monthly premium automatically every month out of your bank account. If your insurance company doesn't have to send you a costly bill every month they will gladly charge you less for your insurance.

Don't participate in dangerous or extreme sports or hobbies. If you insist on putting your health in extra peril you can't expect your health insurance company to reward you by lowering your rate.
You will also get a cheaper price on your health insurance if you don't smoke and if you don't use chew or any other tobacco product.

Get some exercise and cut out most fast foods. Many people would rather die than exercise, but the truth is that simply walking around the block a few times each week will do wonders for your health. If you enjoy exercising in a group why not join a walking group that walks the mall?

If you are really serious about finding the least expensive health care there is, perhaps you need to look into a Health Saving Account, or HSA. This is a special saving plan that is tax free. The catch is that you can only use the money in your tax free account to pay for medical needs.

As part of your HSA account you will be required to purchase a very low-cost super high deductible health insurance policy. This policy will have a deductible of at least $1,200 if you are single and at least $2,400 if you are buying a family package.

Obviously with deductibles this high these policies will not help pay for any of your medical costs in a normal year. The idea behind these policies is that should you suffer a catastrophic illness or accident - the kind of illness or accident that could cost you tens or even hundreds of thousands of dollar - then these policies will spring to life, protecting your life savings and even protecting you from the forced sale of your home.

The best place to find cheap medical insurance in Alabama is online. The secret to finding the very best price online is to look at as many prices as you can. The way to do that is to run your price comparisons on several different comparison sites.

Once you've run your comparisons on at least 3 different sites then you can feel confident that the lowest price you've found will be the lowest price you can get and you will be saving money month after month, year after year.