Idaho Affordable Health Insurance

Written by Helen Glenn Court
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There are two basic approaches to finding Idaho affordable health insurance. One is to forego indemnity plans and look only at managed care providers. Another is to opt for only catastrophic coverage. Sticking your head in the sand because health care costs in the United States are admittedly sky high is not an option.

What's certain if you do play those odds of not having health insurance because it's so expensive is that when an accident does happen (they do) or an illness does take you by surprise, you'll lose more than you bargain for. Health care costs paid after the fact are considerably higher than those paid beforehand. Your health and the health of your family members are not poker chips.

Four Steps to Idaho Affordable Health Insurance

Managed care health insurance plans offer a number of ways to lower your out-of-pocket costs from month to month. One is to increase your annual deductible, the amount you pay before your insurance coverage can kick in. The higher it is, the lower your monthly premiums are. Another route to Idaho affordable health insurance is to buy into a group plan. This doesn't necessarily mean an employer group policy. If you belong to a club or professional association, you might be able to opt into group rates.

An option that's so obvious we often don't even think about it is to approach your existing health insurance carrier and ask. I did this myself recently and dropped my monthly premium by $40 dollars without changing my annual deductible. Another way to Idaho affordable health insurance is to buy while you're healthy. Pre-existing medical conditions are a real damper on getting affordable insurance rates. A good example is cigarette smoking. The difference that quitting the habit more than a year before I signed up for individual Blue Cross coverage made was about $90 per month.


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