AFFORDABLE INDIVIDUAL HEALTH INSURANCE QUOTES
5 FRESH APPROACHES

GET INDIVIDUAL HEALTH INSURANCE QUOTES EVEN IF YOU ALREADY HAVE HEALTH INSURANCE

Keep in mind that applying for individual health insurance is NOT like applying for a job. When you get a quote for individual health insurance the health plan company you are applying with does not tell your present health insurance plan you are applying. Getting up-to-date individual health insurance quotes really can save you $500 a year or more in just 15 minutes.

APPLY FOR MANY INDIVIDUAL HEALTH INSURANCE PLANS AT ONCE
Sometimes individual health insurance quotes don’t actually match what you’ll pay. That’s because most health insurance quotes are a broad strokes rate. The health insurance company databases don’t take into consideration small things that can affect your individual health insurance premium, like how far your home is from the nearest emergency room. Only by applying will get an exact quote for your individual health insurance. Having said that, statistically the price quoted for your individual health insurance will be what you pay, but, as you’ll read in the fine print, it’s not a guarantee until you actually apply.

Important note: being accepted by an individual health plan does not mean you have to accept the health insurance. State laws protect you. When you are applying for individual health insurance, choose a start date a couple months from when you are applying, which gives you plenty of time to cancel the plan before the health insurance begins. Once you find the individual health insurance you want, you can call the company and have your health plan’s begin date start sooner. This is never a problem. Individual health insurance is in the business of making money and will take your money as soon as you are ready. Besides the IRS lets you deduct most individual health insurance so that certainly helps.

CHOOSE THE HIGHEST DEDUCTIBLE WHEN GETTING A QUOTE FOR INDIVIDUAL HEALTH INSURANCE
Forget about the co-pays for doctors and prescriptions. You are getting health insurance quotes for the big stuff, like a major illness or serious accident. The difference between a low deductible and high deductible can be $1,000 a year or more.

Real world example: Plan A was $135 month with a $2,500 deductible; Plan B with the same company was $199 for a 2,000. The difference is $768 a year. You save more than the difference in the deductible.

GET QUOTES FROM ALL AVAILABLE INDIVIDUAL HEALTH INSURANCE PLANS, EVEN IF YOUR DOCTOR IS NOT IN-NETWORK
If you can save $100 a month but your doctor isn’t in the plan, take it. Health insurance is for catastrophes not colds. Call your doctor’s office and find out how much a visit is without insurance. A typical visit is $85. Your co-pay in-network is $30. That’s a $55 difference. How often do you go? Once, twice a year? But you’ll save $1,200 or more. The more important question is whether or not the best hospitals in the area are in-network with your individual health plan not the doctors you see once or twice a year.

COMPARE INDIVIDUAL HEALTH INSURANCE QUOTES ON THE BIGGIE COSTS
Co-pays for doctor visits and prescriptions are certainly a consideration, but much more important when getting an individual health insurance quote is much the individual health insurance plan pays for each day you are in the hospital. Even more realistic, how much does the health insurance pay for an emergency room visit?

Again, most people compare individual health insurance on prescriptions and doctor visits because that’s the stuff they use. Individual health insurance companies know this so they pull out a carrot in the form of low co-pays for doctors and prescriptions. Now you land in the hospital and found out that your individual health insurance only pays $200 a day for a room that costs $600. For this reason you want to compare individual health insurance quotes based on hospital coverage and long-term illness, first. One approach is to ask yourself how much you can afford to pay for hospital if you were in for 2 weeks. For example if the answer is $100 ($1,400 total) find an individual health insurance plan that pays a higher amount when you are in the hospital.