Finding affordable health insurance is a hot topic these days and is certainly an attainable goal. There are things that you can do to keep your health insurance affordable and it all starts with a healthy lifestyle. Not using any tobacco products contributes to a healthier lifestyle. Depending on the carrier, tobacco users pay 10-30% more for health insurance than do non tobacco users.
If you are already following these guidelines and are healthy, there are things you can do to make your health insurance more affordable. One of the easiest changes you can make is to increase the deductible. For example, if you currently have an individual deductible of $1,000 by increasing this to $2,000 or more you can easily reduce your premiums by 25%.
Another option for affordable health insurance is by choosing a qualified High Deductible Health Plan (HDHP). These plans do not have copay’s for office visits, prescription drugs, and emergency room. Because you are responsible for the minor expenses, these plans can typically save the average family 50% in monthly premiums in addition to providing some additional tax savings.