Money Saving Tips
5 Easy Ways to Save Money on Your Health Insurance
1) Look at plans with a high deductible. If you can save $800 a year on your premiums
by increasing your deductible by $1,000 you should do it. After a year and
three months on the plan you will have already made back your money.
2) Lose weight and stop smoking. Some plans like Blue Cross of California surcharge
25% or more for being a smoker, even with no other health conditions. Also, take
a look at our BMI calculator to check your height and weight ratio.
3) Put different family members on different plans. So many of my customers want
to group everyone together on the same plan. But this is not always the best idea.
For example, obviously your husband is not going to get pregnant so why pay extra
for a plan with maternity coverage for something he will never use?
4) Consider an HSA Plan. These are the latest and greatest answer to saving money
on health care costs. Just as you would not expect your car insurance to pay for
an oil change, why buy insurance
to pay for things you can afford? That just costs extra money.
5) Use an agent that represents multiple carriers. There are pleanty of agents that
only write one company like Aetna, or Blue Cross. But make sure you know all your
best options before you apply for coverage. If you want to know more money saving
ideas, call me at 877-758-7587. You'll be glad you did.