| Finding affordable health insurance can be a challenge | | | | but the idea here is to reduce the amount of some |
| these days because the costs have skyrocketed | | | | of your coverage. You'll need to actually get together |
| over the past decade. Many small businesses that | | | | with an agent and take a good look at what's |
| used to offer group health insurance to their | | | | absolutely necessary within a policy and make |
| employess have now been forced to stop simply | | | | adjustments where it's least likely to bite you later. |
| because the costs are just too high. This doesn't | | | | #3. Raise your deductible. This is something that I |
| leave their employees much of an option other than | | | | harp on people to do anyway. Why? Because unless |
| buying health insurance in the private sector. Here are | | | | you're rich, you're going to have to pay an annual |
| a few ideas that may help you find affordable health | | | | deductible anyway, right? What are the odds of you |
| insurance coverage. | | | | seeing a coctor more than twice during a year? How |
| #1. Get several free health insurance quotes. It's | | | | many times have you averaged visiting the doctor |
| usually much easier to do this on the internet than | | | | per year over the last 5-10 years? You'll have to pay |
| trying to run through the Yellow Pages listings. The | | | | at least the deductible amount each year and that's |
| idea is to get several quotes and compare them. You | | | | probably about what you'd pay if you saw the |
| may want to set up alternate contact information, | | | | doctor without coverage and just paid their regular |
| such as a different email address at Yahoo or Hotmail | | | | office call fee. The idea here is to lower your |
| so your primary emaill address doesn't get slammed | | | | monthly payments ands still provide long term care. |
| with repeat offers. This will allow you to review | | | | There are always risks involved when you cut |
| what's out there in your own good time and get | | | | corners on your medical care. As stated in the |
| back with THEM, instead of them hammering you for | | | | examples above, everything comes with risk, but it's |
| your business. | | | | better to have some coverage than none at all. The |
| #2. Consider cutting back on your coverage. I know | | | | choice is totally up to you. |
| that this is a difficult decision and it's definitely risky, | | | | |