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How to Find Affordable Health Insurance

Affordable health insurance - it seems, especially today, those words just don't belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.

Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.

Affordable health insurance, however, is definitely available -if you know how and where to look.

When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway.

Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).

5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.

Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.

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The Georgia Public Policy Foundation Home Page
Expanding Health Insurance Coverage in Georgia . William S. Custer . There are two primary reasons why the number of Georgians without health insurance is an important public policy ...
www.gppf.org

Georgia Public Policy Foundation - www.gppf.org
Insurance · The Growing Cost of Health Care 9/20/2007 · Insure All Georgians 1/12/2006 · Expanding Health Insurance Coverage in Georgia 5/1/2000 · Georgia Enacts Significant Health Care ...
www.gppf.org

Sources of Health Insurance Coverage in Georgia
Sources of Health Insurance Coverage in Georgia 2006 Tabulations of the March 2007 Annual Social and Economic Supplement to the Current Population Survey by William S.
www.georgiavoices.org

Voices for Georgia's Children - GSU Insurance Study 07
... and why some lack insurance. Data is extracted from a larger population survey completed earlier. Download the full report here. Sources of Health Insurance Coverage in Georgia 2006
www.georgiavoices.org

HB1330.html
2) The impact of each such mandated health benefit on the premiums for health insurance coverage in Georgia and the ability of all Georgians to continue to afford health care ...
www.legis.state.ga.us

Publications -- Center for RMI Research -- Georgia State
RESEARCH REPORTS. Hard copies of the following papers may be obtained for ... Sources of Health Insurance Coverage in Georgia, 2000
rmictr.gsu.edu

Untitled
The number of Adults 19-64 Living in Poverty and Without Health Insurance Coverage in Georgia. Source: Kaiser Family Foundation www.statehealthfacts.org
www.healthcaregeorgia.org

Publications
Sources of Health Insurance Coverage in Georgia" Center for Insurance Research, Georgia State University. 18 pages. The Effect of Marginal Tax ...
www.hagsu.org

Atlanta Regional Health Forum - HelpWithInsurance
Guide to Finding Health Insurance Coverage in Georgia. Are you uninsured? You are not alone. Millions of Americans are without health insurance.
www.charityadvantage.com

Understanding Health Insurance by Jo Ann C. Rowell (...