| Many people think the very idea of affordable | | | | or hobbies of any kind. If you go out of your |
| health insurance is an impossibility. And it's small | | | | way to put your health at risk you certainly can't |
| wonder when over 50% of all families in New | | | | expect to get the most affordable health |
| Jersey admit that paying for health insurance is a | | | | insurance. |
| severe burden on the family budget and almost | | | | If you have other insurance policies, such as life |
| 17% of all New Jersey residents are without | | | | insurance, or homeowner's insurance, or auto |
| health insurance of any kind because they simply | | | | insurance combine all your policies with the same |
| cannot afford to pay the monthly premiums. | | | | company. Doing so should give you a rather nice |
| There's no denying that health insurance is | | | | Multi-Policy Discount on your health insurance. |
| expensive, however, if you have children 18 years | | | | If you've had a health insurance policy with the |
| of age or younger and they are not covered by | | | | same company for at least 5 years ask about a |
| any health insurance there is a good chance that | | | | Long-Term Policy Deduction. Every little bit adds |
| they (and possibly even you) can qualify for super | | | | up! |
| low-cost health insurance through a state program | | | | What is your current percentage of co-payment? |
| known as New Jersey Family Care. You can learn | | | | Many people pay a 20% or 25% co-payment |
| more at | | | | each time they visit a doctor's office. If you can |
| Fortunately for the rest of us there are several | | | | increase your co-payment to 50% that will save |
| steps you can take to help reduce the cost of | | | | you a considerable amount on your monthly |
| your health insurance and possibly bring it down to | | | | health insurance premium. Obviously this strategy |
| an affordable level. | | | | works best for people who do not see their |
| We'll start with the two most difficult things first. | | | | doctor on a regular basis. |
| Stop smoking and lose weight. If you smoke or | | | | When was the last time you adjusted your |
| use any form of tobacco (such as chew) you will | | | | deductible? Obviously changing your deductible |
| never get truly affordable health care in New | | | | must be a careful decision and must weigh many |
| Jersey - or anywhere else for that matter. This is | | | | considerations, but if you can afford to increase |
| simply a fact and there is no getting around it. | | | | the amount of money that you are willing to pay |
| The same goes for being overweight. While it | | | | each year out of your own pocket for your |
| may be even more difficult to lose weight than it | | | | health care before you bother your insurance |
| is to stop smoking, if you are overweight you | | | | company to kick in, then you can save money on |
| have one advantage over the smoker - all you | | | | your premium payment each and every month. |
| need to do is to lose a little bit of weight and you | | | | So now you know how to put together a health |
| may slip down into a lower price-bracket for your | | | | insurance policy that will save you the most |
| insurance coverage and that could save you | | | | money possible right from the start. But were not |
| hundreds of dollars each year. | | | | quite finished yet. |
| There is one possible way around losing weight | | | | Now you need to take that "super" policy you've |
| and stopping smoking and that is if you can find a | | | | just created and compare the cost of that policy |
| group health insurance plan that doesn't exclude | | | | from every insurance company that offers health |
| smokers or people who are overweight. Obviously | | | | care insurance in New Jersey. Take your time and |
| your employer is the first place you think of | | | | make your comparisons on at least 3 different |
| when it comes to finding a group health plan, but | | | | online websites dedicated to finding the best price |
| even if your employer doesn't offer group health | | | | for health insurance in New Jersey. |
| coverage you may still be able to qualify through | | | | If you'll make your comparisons on at least 3 |
| an organization you belong to - such as Kiwanis, | | | | different websites then you can feel certain that |
| or Key Club, or the Elks or Masons or even many | | | | you have seen prices from as many different |
| churches have a group health insurance plan for | | | | insurance companies as possible and you can take |
| their members. Start looking around and asking | | | | the lowest price and know that you really have |
| questions. | | | | gotten the most affordable health insurance in |
| Don't participate in dangerous or extreme sports | | | | New Jersey. |