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