With the new health insurance bill passing you may wonder how you can get the best deal on health insurance and not go broke doing it.
You may have a lot of questions when it comes to Obama’s new health care bill. How will it affect you? What health insurance will you be required to purchase? When the rules regarding this new bill ultimately go into effect your rates may go up. Of course, your rates could possibly drop, though this probably won’t happen.
A lot of people feel that this health insurance bill isn’t constitutional. You shouldn’t be forced to purchase health insurance, especially if you can’t afford it. We’re already required to get car insurance, and now health insurance? It could be difficult for many people to make ends meet, but you may be able to get a cheap health insurance quote.
Personal Health Insurance Coverage
Like car insurance, you’ll be required to have a certain level of health insurance or risk paying a fine. The odd thing is, a lot of people are opting to pay the fine since that seems to be cheaper than paying for the health insurance, though this depends on the individual. All you have to do is get health insurance that covers the minimum requirements, so don’t feel that you need to pay for a higher level of insurance unless you feel it’s in your best interest.
Cheap Health Insurance Quotes
Since it will be required to have insurance it means a huge flood of clients will be looking for quality health insurance that won’t cost a fortune. Companies will be in a competition to win over clients, which means you could get a great rate in the beginning. If so, try to lock this price in for as long as you feel comfortable with so you avoid having to pay more when the policies go up. Look around and get many quotes, don’t settle with the first company you run across.
Health Insurance Brokers
Everyone’s heard of the top health insurance companies such as Aetna, Blue Cross/Blue Shield, and CIGNA because they have a lot of money for advertising on television, radio, and in print. They could be more expensive than smaller companies that are in your local area so you may want to look into talking with an insurance broker to find the best deal on health insurance.
Lower Health Care Costs
When you apply for health insurance they’ll probably take a look at your lifestyle, current health problems (if any), weight, and more. If you want to get a better deal it’s best to take care of yourself and be as healthy as possible. If you’re overweight, drop some pounds. If you smoke or drink, stop.