| If you don't have health insurance through | | | | |
| your employer, you may have assumed that a | | | | * Consider a PPO or HMO plan. You will need |
| health care plan will cost more than you can | | | | to choose your doctors and hospitals from a |
| afford. However, there are many ways you can | | | | list approved by the insurance company, but |
| save on health insurance. Follow these tips | | | | your premium costs will be lower. |
| to get the best rate for your family. | | | | |
| | | | * Choose a plan with high deductibles. The |
| Consider Your Options | | | | higher your deductibles, the lower your |
| | | | premiums. |
| You have more options for health insurance | | | | |
| than you think. For example, most states | | | | * Consider insurance that will just cover |
| offer low-cost or no-cost insurance for | | | | major medical illnesses, such as cancer and |
| children and seniors, as well as for | | | | heart disease, and plan to pay for smaller |
| low-income or unemployed adults. Check with | | | | expenses yourself. |
| your state's department of insurance to see | | | | |
| if you qualify for such a health care plan. | | | | Shop Around |
| | | | |
| Follow a Healthy Lifestyle | | | | As with any major purchase, you should |
| | | | comparison shop when you shop for insurance. |
| You will pay less for your health insurance | | | | Fortunately, the Internet makes it easy for |
| if you can show the insurance company that | | | | you to compare insurance rates. You can go to |
| you have healthy habits. So quit smoking and | | | | an insurance comparison website and get fast |
| start exercising and losing weight to save on | | | | quotes from multiple A-rated health insurance |
| your health insurance costs. You'll also feel | | | | companies. |
| better and add years to your life. | | | | |
| | | | The best websites even let you talk with |
| Types of Private Health Insurance | | | | insurance professionals so you can ask |
| | | | questions and make sure you choose the best |
| Another alternative is private health | | | | health insurance company with the best rate |
| insurance. You can keep your rates down by | | | | (see link below). |
| choosing your insurance wisely: | | | | |