If you are looking for cheap medical insurance companies then your best bet is going to be looking for them online. However, the answer to finding the best possible price for your health insurance isn't just blindly looking online, but rather having at your fingertips just the right answers to the questions you will be asked so that you can create the best possible policy that will save you the most money right from the beginning. Then any additional that you save by purchasing your insurance online will be pure gravy.
Let's start with something extremely simple. Pay your premium each month automatically from your bank account. In this way your insurance company won't spend money billing you and they pass that savings on to you. Don't participate in extreme sports or dangerous hobbies. Don't drive a fancy sports car or a fast muscle car. If you intentionally put your health at risk you certainly can't expect an insurance company to reward you with a low rate, can you?
Believe it or not, your credit record also affects how much you pay for your medical insurance. When you apply for this your company will look at your credit score and the better your credit the better your rate will be for your insurance.
Don't smoke or use chew or any other tobacco product. If you are serious about finding the cheapest medical insurance online then you are going to have to be serious about breaking the smoking habit. You may have to lose weight as well. Losing weight can be even harder than quitting smoking for most people, but the fact remains that insurance companies look at your BMI (Body Mass Index) when setting your premium rate and the higher your BMI the higher your rate.
The good news is that often losing even a few pounds can make all the difference in the world and will allow you to slip down a rung on the insurance company's BMI chart - and if that happens you can save money month after month. In other words, every pound counts. If you seldom see your doctor then you really need to increase your co-payment to 50%. This will save you a considerable amount of money every month.
How large of a deductible can you afford? Increasing your deductible will lower your monthly health costs immediately. Just be sure you don't increase your deductible so much that you can't afford to pay it!
Buying your health insurance online is the best way by far to find this in companies in your state. You'll want to check with more than one of the price comparison websites if you are really serious about finding low rates, but as soon as you've check with 3 or more sites your job is done. Just grab the lowest-priced policy you found and feel confident that you have found the cheapest medical insurance in your state.
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