5 Secrets to Finding Low Cost Health Insurance

COSTA MESA, Calif. - Nov. 21, 2019 - PRLog -- 5 Ways to Find Cheap Health Insurance:

Use a Comparison Shopping Website

Shopping around and comparing rates is always your best bet to finding low cost health insurance. You can do this by calling around and giving your information over and over again. Or, you can contact one company, SmartFinancial (https://smartfinancial.com/health-insurance), to fill out one form to receive several quotes at once. This is by far the most time-efficient way to buy health insurance online. Plus, unless you fill out forms elsewhere, you won't be contacted by a million insurance companies at the same time, just one agent with prices from several health insurance carriers based on your profile.

Ask Your Parents

The cheapest way to get health insurance is to piggyback off your parents' private health insurance plan. You can do this until you reach age 26. But if you're 25 and younger, there's really no way to beat these rates.
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Choose a Bronze Plan

Health plans come in four tiers: bronze, silver, gold and platinum. If you're in good health and don't often need a doctor, the lower-tier options make more sense than, say, a platinum plan which will likely be all-inclusive but very costly compared with a lower-tiered option. You may have to pay more out of pocket when you go to the doctor, and this may not be the best plan for you if you do but choosing a bronze plan from all your options will reduce your monthly payments. It will, however, make your doctors visits more expensive and you may pay for more medication.

Get Help

You may be eligible for a federally subsidized health care plan through Medicare, Medicaid or CHIP (Children's Health Insurance Program). Medicare is for people over the age of 65 and some disabled people, Medicaid is for low-income individuals and CHIP is for children who don't qualify for Medicaid but cannot afford private health insurance.

Find a Reliable Agent

If you find a reliable and trustworthy agent, all you have to do is tell that person how often you need a doctor, how much medication you normally take and if you have any preferences for hospitals or clinics in your area. Based on your personal information, the agent should be able to give you a few options for different health plans. If you need to get paired up with an agent, we suggest you start the process here (https://smartfinancial.com/health-insurance).