| Consider what could happen if you suddenly came | | | | offers its members group health consider it |
| down with a severe illness or suffered a | | | | seriously. |
| catastrophic accident. Within a matter of days | | | | Join an HMO or a PPO. These are forms of group |
| you could incur hospital and doctors' bills in the | | | | health insurance that are somewhat less |
| tens of thousands, even hundreds of thousands | | | | expensive than many other health insurance plans, |
| of dollars. Without insurance your home could be | | | | but HMOs especially limit the doctors that you can |
| taken from you, your bank account could be | | | | see, so unless your current doctor is a member |
| drained, and any other assets you own could be | | | | of the HMO that you join, there's a very good |
| wiped away - all in the blink of an eye. | | | | chance you will need to change doctors. |
| And yet, for over 50% of the people in West | | | | Don't participate in extreme sports and don't drive |
| Virginia the cost of health insurance is reported to | | | | a fast, sporty car. |
| be a severe financial hardship and fully 16% of | | | | If you have other forms of insurance it can pay |
| the people of West Virginia can't afford health | | | | you to consolidate all of your insurance with the |
| insurance at all. | | | | same company. In this way you will qualify for a |
| While we wait for relief it is vital that we find | | | | Multi-Policy Discount. |
| ways of reducing the cost of health insurance | | | | Have your premiums automatically deducted from |
| ourselves. Purchasing health insurance online is, | | | | your checking account each month. The money |
| perhaps, part of the answer since online health | | | | your company saves on billing you will be passed |
| insurance generally costs less than health | | | | along to you. |
| insurance purchased from a brick and mortar | | | | Can you afford to increase your co-payment |
| business. But simply jumping online with no clear | | | | each time you visit your doctor? If you can |
| idea of how to lower the cost of health insurance | | | | afford a 50% co-pay you'll save a bundle on |
| will not solve the problem. We need something | | | | premiums each month. This plan works best for |
| more. We need ways of reducing costs initially so | | | | people who do not see their doctor on a regular |
| that the additional savings we get from purchasing | | | | basis. |
| our insurance online can have a real meaning. | | | | Finally, can you afford to increase your deductible? |
| Fortunately there are steps that you can take | | | | If you can increase your deductible then you will |
| that will help reduce the cost of your health | | | | lower your cost of health insurance immediately. |
| insurance even before you get online. | | | | However, don't agree to pay more of a |
| For example, start by eating a healthy diet and | | | | deductible each year than you can actually afford |
| getting some exercise. Yes, this means cutting | | | | to pay. |
| way, way down on fast food and fried foods and | | | | And this brings us to our final step: buying our |
| it means eating more fruits and vegetables and it | | | | health insurance policy online. Yes, it is true that |
| means walking or riding a bike three or four times | | | | you can get cheap health insurance online in West |
| a week. | | | | Virginia, but don't get lazy and stop after looking |
| It also means that you will have to stop smoking | | | | at just one health insurance price comparison |
| and using chew if you are serious about getting | | | | website. |
| cheap health insurance online or anywhere else in | | | | If you are truly serious about finding the cheapest |
| West Virginia. | | | | health insurance you can, then you must compare |
| Your weight is also a factor when looking for | | | | prices on at least 3 different websites. And you |
| cheap health insurance. A portion of your health | | | | must take what you've learned in this article and |
| insurance premium is based on your BMI, or Body | | | | fill out the forms on all three website EXACTLY |
| Mass Index. The less your BMI the lower your | | | | the same. |
| health insurance premium each month. The one | | | | Only in this way can you compare the same |
| ray of sunshine is that if you are able to lose | | | | health insurance on all three sites - and making a |
| even a few pounds it's possible that you could | | | | true comparison is the only way to really find the |
| move down on the insurance company's BMI | | | | cheapest health insurance. |
| chart - and if you move down even one level you | | | | Once you've made all of your comparisons then |
| could, potentially, save hundreds of dollars each | | | | the only thing that's left is to review the prices |
| year on your health insurance. | | | | you found and choose the lowest one. By doing |
| Join a group health plan. A group health plan may | | | | your homework and by making your comparisons |
| not be as concerned about smoking and BMI as | | | | on a minimum of 3 different websites, you can |
| an individual health plan. If your place of work | | | | feel confident that you now know exactly how to |
| doesn't offer group health insurance consider any | | | | get cheap health insurance online in West Virginia |
| groups, clubs, organizations or associations that | | | | and save as much money each month as you |
| you or any member of your family or any friends | | | | possibly can. |
| belong to. If you find a club or organization that | | | | |