| Get health insurance for a lot less: If you're looking | | | | reasons for this but this one is prominent among |
| for lower rates for superior coverage then you have | | | | them: If you have a bad credit history then it could |
| to be aware of some simple things that could save | | | | only mean you've missed payments somewhere. |
| you much. Here are some... | | | | Once you're seen as a higher risk you will attract |
| 1. Premiums paid by self employed persons might be | | | | higher premiums. |
| tax-deductible. And you can also get a tax break if | | | | 4. There are health insurance guides that the |
| you open a flexible spending account. You can get | | | | government publishes annually. You'll know more |
| details on this from your tax professional. This will | | | | about what affects your health and health insurance |
| help you know for sure what will give you a tax | | | | policy if you can get these publications. And, with |
| break and what won't. | | | | better information, you and yours can take steps |
| 2. You can reduce your costs by buying prescriptions | | | | that will help you stop some ailments, live a healthier |
| online. Buying by telephone will as well give you | | | | life and ultimately lower your health care budget. |
| cheaper prices. Companies who sell through the | | | | Superior knowledge in health insurance is fundamental |
| internet have lower costs than brick and mortar | | | | to getting the best rate. For such publications, go to |
| businesses and these suggest that they can and (do | | | | this site... |
| sell) at cheaper prices. But to ensure you're buying | | | | 5. An easy but rewarding way of bringing down your |
| from a good company, check. Simply go to BBB | | | | premium is by authorizing an EFT (Electronic Funds |
| online and you will know if you should buy from an | | | | Transfer). This simply means your insurance provider |
| exact company. Don't forget that while we want to | | | | withdraws your premiums automatically from your |
| reduce costs we also want to avoid risks. | | | | account at specified periods without mailing you |
| 3. An excellent credit rating will reflect in your favor | | | | payment notices. This eliminates administrative costs |
| with respect to your rate. A poor credit history will | | | | like those incurred when mailing payment notices. This |
| make you pay higher rates. There are several | | | | is why this results in discounts. |