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Affordable health insurance: I'll show you seven proven ways to bring down your rate. Even though you're advised to read through, don't forget that that is only the first step in the process: You'd have to implement what you've discovered in order to get cheaper rates. Here are the tips... 1. This is something that may not concern most people but is still worth mentioning... Don't use drugs that have either been banned or have yet to be approved as they will make you pay very high insurance rates if discovered and that's apart from the fact that you're putting your life at risk. And where the use of certain drugs is NOT illegal, abusing them will also make you spend more on health insurance rates. Steer clear of self-medication also and you will certainly get cheaper rates than those who don't. 2. Ask your agent personally about all the discounts available to you with your preferred insurance carrier. Since agents too are not above mistakes they might forget to tell you about some discounts you are qualified for. You'll reduce the probability of this happening to you if you take the pains to ask your agent point blank to tell you of every discount that is obtainable. You might have a very pleasant surprise! 3. Settling for catastrophic health insurance coverage will help you save a lot in health insurance and is recommended if you are rarely sick. You enjoy coverage for those ailments or medical needs that may come up suddenly. You'll generally appreciate this policy if you ever need to pay huge bills due to unforeseen diseases or accidents. The name surely does offer a clue of what it protects against. Catastrophic health insurance rates are normally very low. Nevertheless, the deductibles are normally as much as $2,000 but they are certainly worth it since you hardly get sick and are protecting yourself in case a catastrophic ailment or accident happens. 4. You may eligible for Medicaid if you're really finding it difficult to pay for a regular health insurance plan. The requirements for eligibility differ with each state. But basically, they are for people with low incomes. It doesn't matter whether you're employed or not. Someone in your family may qualify even if you don't and therefore reduce your family health insurance budget. So find out from your state's Medicaid program if you are eligible. 5. Extreme sports attract higher health insurance rates. If you truly need to reduce your health insurance rate then switch to non-life-threatening sports. 6. Married folks can pay less by being a single health insurance policy. You have to compare though to see which offers you more savings. This is because based on your profiles and health conditions, you may be better off buying two separate health insurance plans. 7. The most important route to massive savings in health insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a difference that exceeds $1,000. You could easily save so much by just choosing the lowest quote. This should be the case if you're just after the lowest price. Nevertheless, if you're looking for the best price/value then you would have to look at the details of the lowest quotes. Different insurers may have slight differences for similar policies. It's a good idea to ask the agent what's included and what's excluded.
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Here are great pages for health insurance quotes... Health Insurance Quotes Health Insurance Quotes Chimezirim Odimba writes on insurance.
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