Ways to Cut your Health Insurance Costs

It seems like health insurance costs keeps increasing every year. Health insurance for college students and new graduates is important even if you think you can survive without it.

Saving Money on Health Insurance

When comparing health insurance policies, please remember to check the coverage offered, not just the premiums. You don’t want to be uncovered for a major illness because you have a horrible policy.

Buy the best health insurance you can afford. It can be a huge benefit if you get ill or are in an accident.

Tips on Cutting Your Health Care Expenses

• Don’t be a smoker: This habit can cut your life short and it has been linked to other health problems. This in turn leads to higher costs.
• Exercise regularly: Try being active 3x a week for at least 20 minutes. You may also want to consider participating in an amateur sports league to get yourself committed to a routine.
• Watch what you eat: Obesity can increase your chances of diabetes, heart disease, and joint problems.
• Get a hobby: Hobbies can reduce the stress that you feel. That in turn can help your mental health and enrich your life.
• Go for generic drugs when possible: Some drugs are available in generic form at less than half the cost.
• Do routine exams: It’s better to catch something early than to wait until it develops into something worse.
• Try health clinics: If you’re pinching pennies, this could be a good option. With my health insurance, I pay $30 a month for birth control pills. By going to the university health clinic, I pay $40 for 3 months’ supply. I save $240/year just by doing that.

Please talk to your doctor before you go on a diet or change medications. It’s amazing how much health insurances charge even if you’re in good health.

Try to maintain a healthy lifestyle and it’ll reap dividends beyond money saved.

Photo credit: NessieNoodle

• How to Be Rich Later and Live Well Now I’m thinking that many people share our goal to retire comfortably without taking a vow of poverty now. It’s definitely possible, but sacrifices will have to be made. There’s no free ride, it takes work. The trick is to decide what you’re willing to cut back on so you can......
• Practical Steps in This Economic Mess   1. Do not panic,think positive, and stay united. Try your best to stay level headed, no matter how extreme the situation may appear. If you're in a family, work together and come up with a plan that works for you. Set up a budget to guide your spending......

• Why Health Insurance Is An Important Part Of Retirement Planning Many people that are planning to retire assume that a great deal of their healthcare costs will be taken care of after they have retired from their job.  Others fail to take into account how much medical bills may cost if they become really sick.  Planning for your health care during......
• Affordable Health Care When When Your Employer Doesn't Offer Health Insurance Nearly 50 million people in the United States don't have health insurance coverage.  With the increasing cost of living, going to the doctor or dentist becomes almost impossible for most family budgets if there isn't health insurance available to help offset the expense. I'm lucky to have wonderful health insurance......