I`ve spent the last year answering this question, and put the results into a book titled "Get a Good Deal on Your Health Insurance Without Getting Ripped-Off
" that helps consumers buy health insurance
in the United States.
There are a few tips about finding affordable health insurance:
- Health insurance varies by state, depending on the laws in your
state. For example, in New Jersey, it is guaranteed issue and everyone
pays about the same rate. For a family that`s at least $800 a month for
a basic, basic plan. In North Carolina, we`ve got a family plan for
about $300 a month that covers more things.
- It is usually easy and less expensive to buy health insurance
when you are healthy. The insurance companies know how much a condition
will cost and charge accordingly.
- If you have a medical condition, it may cost you more. If you
have a serious medical condition like diabetes or cancer, you may not
always be able to get health insurance, and in most states, it`ll cost
a lot more money. In North Carolina, the insurance for those with a
medical condition, while guaranteed issue, may cost up to 7 times more
than their best rate. In New Jersey and other states with "community rating", there will be no cost difference. People with a medical condition may do better to
find an employer or other true group plan to contain their health
insurance premiums if they don`t have community rating in their state.
- If you increase your deductible your rates will come down. You should have financial means to pay the deductible.
- If you opt to skip the co-pay option, your rates will come down.
Copays may range from $10-$40 a visit. Our discounted network rate for
a typical doctor visit is about $55. This is particularly valuable if
you don`t go to the doctor often.
- There are on average about a dozen licensed health insurers in
any given state. Ideally you`ll identify those that are high quality
and get quotes from all of them. Then find the one that works best for
There is plenty more to say on the subject, and if you like you can get the first chapter of the book for free from www.BestHealthInsuranceBook.com
, where we also have articles, resources, and Q&A on buying health insurance.
Author, Get a Good Deal on Your Health Insurance Without Getting Ripped-Off