ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Cheap Health Insurance Rate

Updated on June 29, 2010

With increasing costs of health care, almost everyone is interested in finding a cheap health insurance rate. There are several ways that you can use to accomplish this task. Some may be perfect for your personal situation, others may be less desirable. The type of coverage that you get is likely to vary according to such factors as where you live, your health condition, your age and your gender.

One way to lower your health insurance rate is to pay higher deductibles. When you are prepared to pay a larger amount of health care costs personally before the insurance coverage kicks in, the costs to the insurer won't be as high so your premium costs go down. A high deductible in return for low rates gives you coverage for something truly catastrophic but doesn't drain your pocketbook every month paying for premiums you can't afford.

 If you join a health insurance group, you will pay lower rates. It can be a challenge to find a group at times, but you may want to consider such organizations as AARP. When there is a group that you are eligible to join, you get the rates applied to the group. More people in the insured base means the risk is spread over a larger group and the premiums are lower overall.

Many people become part of an employer's health plan. This type of group insurance can be partially or completely subsidized by the employer. Again, more people means the risk is spread over more individuals, so the amount employees pay may be lower for two reasons. Sometimes the employee is covered in such plans, but must pay a certain percentage for family members coverage.

 Your insurance will cost less if you limit the amount of coverage that you purchase. For example, when you are young and relatively healthy, there is no need to purchase comprehensive insurance to cover doctor visits and specialties such as acupuncture. Limit yourself to catastrophic coverage and you will pay less.

A health maintenance organization usually has lowered costs for the insured. You may not be able to choose your doctor or clinic where services are performed, but you generally pay less for the coverage. This makes the HMO popular with individuals looking for basic coverage at a reasonable premium cost.

Searching for health insurance online is another ways to find lower costs. Businesses that conduct most of their advertising online may pay less to publicize their services. When this occurs, they can pass savings on to the insured. This may result in lower premium costs for you when you purchase online.

You don't have to settle for poor insurance coverage in order to get a cheap health insurance rate. Do your homework to determine whether the terms of the policy will satisfy the coverage needs that you have. It's not necessary to pay too much for insurance if you take the time to define the type of coverage you need and what's the best way to pay for it.

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)