Tips To Save And Get Affordable Health Care Insurance By: Drew Samson

Americans have a habit of splurging on many things, such as expensive cars and big houses, however, when it comes to protecting ourselves by investing in health insurance - many think twice and pay the price later.

Unfortunately every day many new families in the U.S. are caught off-guard with a major medical problem that they cannot afford and are not covered by insurance for. It can cost you everything you have and also lead to getting bad care in the hospital.

You CAN get an affordable health care plan, here are six tips to help you save up to 30%:

Choose By Location

Start your research by looking at your state's website under the insurance department. Make sure to look at your state specifically because prices/plans and laws are different by state. The site should list the many companies, what types of policies, rough prices and even have information on affordable health care insurance programs.

List Your Priorities

A perfect example is if you have a specific doctor you like seeing - the first thing to do would be to check if that doctor accepts that insurance program. This is just one example of priorities you may have.

Don't be afraid to use a broker

Brokers tend to have a bad name, but they don't typically cost you anything - they only charge the company! Many are also known to save you money because they can help you find the right fit directly for you.

Take a "free look"

This is a great way to test drive an insurance program first for a short period with a full money back guarantee if you have problems with it. Just know that terms and conditions do apply - read them!

Get a Health Savings Account

If you visit a doctor very infrequently, or just 2 times a year, an HSA is a good option for you. An HSA works well with an insurance policy that has high deductibles, but low is a very affodable health care insurance program. Money put into this account goes in pre-tax and grows tax-deferred, you can then use it any time to help pay medical expenses.

You Can Always Negotiate

We will end up paying more from services that aren't covered to doctor and hospital co-pays to costs for prescriptions. Keep your costs low by shopping around and asking for generics whenever available. Don't be afraid to negotiate with your doctor if you're paying out of pocket. You might get a discount.

Most don't realize this, but even in the U.S. it is very possible to get an affordable health care insurance program - especially with the internet you can start applying immediately!