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Affordable individual insurance coverage is hard to find. Luckily, there are things you can do to help ensure that you get the best benefits at an affordable price.
Get instant individual health insurance quotes by completing this short and simple form.
Or call 877-648-2539 between (8am and 7pm central time) to speak with a locally licensed agent and get a quote!
Change the benefits on your current plan and decrease your monthly premium
There are some specific changes you can make that will decrease your monthly premium and still give you quality coverage.
- Increase your medical deductible. Taking on more risk up front for major medical events means that you pay less for your coverage each month.
- Decrease your co-insurance, or the amount the insurance company pays after you meet your deductible. For instance, if the plan you're on pays 80% after your deductible, consider switching to a plan that only pays 70%.
- Move to a smaller doctor network. Your insurance company might be charging you a premium to have access to a large network of doctors and hospitals, you may not even be using. Find out how much you'll save each month by switching to a smaller provider network.
Consider catastrophic coverage
This may seem like a big leap for an individual, but many times it's well worth switching. Moving to this type of coverage means that you will probably lose your office visit and prescription coverage, if you currently have it. These expenses are normally covered after the deductible, even on catastrophic plans. In addition, all plans are required to cover preventive care at 100% before the deductible.
Tax savings
There are a lot of affordable individual insurance plans that are qualified to be used with a health savings account. This means that you can deposit funds into a financial account pre-tax. This money can be used to pay for HSA deductible health expenses. It's the same idea as a cafeteria plan through your employer, but you remain in total control of the account. The balance rolls over each year and you can use it for retirement and other things once you turn 65.
Explore your options
Get instant online quotes from companies in your local area who offer individual health insurance plans.
No matter what you end up doing, an independent local agent can help you sort through the plan details, cost, and approval concerns, at no extra cost. Having a professional help you through the process can save you a lot of money in the long run.
Have a local agent help you get the process started for free by completing this short and simple form.
Or call 877-648-2539 between (8am and 7pm central time) to speak with a licensed agent and get a quote!
Affordable Individual Health Insurance Coverage
Affordable Individual Health Insurance Coverage
