1 Buy catastrophic health insurance instead of a regular plan if you rarely fall sick and you'll pay far less.
You get coverage for those conditions or medical needs that may arise suddenly.
The beauty of this policy is usually seen in cases where the illness or accident results in very high medical bills that would otherwise destroy most people's life savings.
The name really does give an idea of what it protects against.
The rate you pay for catastrophic health insurance is quite small.
However, the deductibles are usually as high as $2,000 but they are certainly well worth it since you rarely fall sick and are protecting yourself in case a catastrophic illness or accident strikes.
2 Group plans are cheaper than individual plans.
So for those who have the opportunity of using a group plan, it offers you an opportunity of paying far less than otherwise.
This should be of particular interest to older persons, smoker or overweight people who generally have to pay high rates.
A group plan will save you a lot if you have a pre-existing condition that makes individual health insurance either too expensive or difficult to get.
Give a group plan serious consideration if you really want lower rates.
3 You can save much money on health insurance if you get and compare quotes from quotes sites.
You will realize savings if you use only one quotes site.
However, you'll get more by using at least three.
This is because insurance companies not covered by one site will be covered by another.
And since the likelihood of getting lower quotes is tied to the range of quotes you get, the more companies you receive quotes from, the brighter your chances.
This increases your chances of getting better offers.