Everyone in Alabama, it seems, is looking for cheap health insurance companies. And why not? The cost of health insurance is now so high that 16% of all Alabama residents can not longer afford health coverage of any kind. Fortunately we’ve got ways for nearly everyone to get their health insurance at a cheaper cost than what they are now paying.
Start with something very simple. Pay your premium payments automatically from your bank account every month. If you set up an auto pay program the insurance company won’t have to spend money sending you a bill each month and they will reward you by charging you less for your insurance.
Don’t smoke or use chew or any other form of tobacco. You know just as well as anyone else that smoking or using chew will prevent you from getting the cheapest health care insurance possible, so if you are serious about getting low-cost health insurance then you’re going to have to be serious about giving up smoking.
Unfortunately your weight plays a big role in how much you pay for health insurance as well. Losing weight is even more difficult than quitting smoking for most people, but if you can find a way to shed even a few pounds then you at least stand a chance of dropping down a rung on the insurance company’s weight chart and that could save you hundreds of dollars each and every year.
If you don’t see your doctor on a regular basis then increasing your co-payment from 25% to 50% not only makes sense it will definitely save you a considerable amount of money on the cost of your premium every month.
The fastest and surest way of getting cheaper health insurance is to raise your deductible. While this is one way to definitely save money every month keep in mind that you will have to come up with the amount of your deductible every year before your insurance company will pay for any of your health care, so don’t promise more than you can afford to pay.
The best way to find cheap health care companies in Alabama is to look online. There are literally dozens of websites that encourage you to compare the prices of health insurance from a number of different companies. In order for you to see the prices from the largest number of companies – and therefore stand the best chance of finding the lowest possible price – you’ll need to make your comparisons on at least 3 different sites.
But as soon as you’ve made all of your comparisons then all you need to do is to choose the lowest price you found – and you’ve done it!