More than half of all West Virginia households say that paying for health insurance is a big part of their monthly budget, and about 16% of all West Virginia families can't afford any health insurance at all.
This article should help show how almost every family in West Virginia can compare and find low-cost health insurance without going bankrupt.
Health care costs less for healthy people, which shouldn't be a surprise. You can save money on health care and see your doctor less often if you eat well, get enough sleep, and exercise. If you want to eat well, you have to stop eating fast food and fried food, except in very small amounts. Exercise doesn't have to mean buying the latest infomercial fad. You can walk around the block quickly or join a walking group that meets every morning at the mall to walk. To get some exercise, you could ride your bike to run errands around town instead of taking your car.
Also, it shouldn't be a surprise that smoking and using any kind of tobacco is bad for your health and will cost you a lot more on your health insurance. If you really want to compare prices and find really cheap health insurance, you can't keep smoking.
Also, it could mean you need to lose weight. Your Body Mass Index (BMI) is one of the ways health insurance companies figure out how much your monthly premium will be. If your BMI is lower, you will pay less. Even if you only lose a few pounds, you might move down one notch on your insurance company's BMI scale, which could save you hundreds of dollars each year.
Find insurance for a group of people. Group health insurance might not care as much about how much you weigh or if you smoke, and it's almost always cheaper than individual health insurance. If your place of work doesn't offer cheap group health insurance, you can buy it on your own. If that doesn't work, ask any clubs, organisations, or associations you belong to. If that doesn't work, ask your friends and family if they belong to any groups or clubs that offer group health insurance. If so - join!
Joining an HMO or PPO can save you a lot of money compared to buying health insurance on your own. However, you may have to give up your favourite doctor if you join one of these plans, unless your doctor is already a member of the HMO or PPO you want to join.
Don't do sports that are extreme or dangerous. Also, if you drive a fast sports car, it might be time to sell it, at least if you are serious about finding affordable health care.
Your premiums will be taken out of your bank account automatically. If your insurance company does not have to send you a bill every month, they will give you the money they saved.
If you work for yourself or have a home-based business, ask your tax advisor if you can deduct all or part of your health insurance premiums from your taxes. If you pay less in taxes, your health insurance could be a lot cheaper.
You can buy drugs on the Internet. You might be surprised at how much money you can save when you buy most drugs over the internet.
Make your deductible higher. Obviously, you can only do this if your budget allows it, but raising your deductible is probably the fastest and most surefire way to lower the cost of your health insurance.
You can buy health insurance online. There are dozens of websites that encourage you to look at prices from different health insurance companies. Just don't make the mistake of thinking you only need one site to compare things.
If you're serious, you should be ready to compare on at least three different sites. Also, make sure you fill out the forms on all three sites with the same answers. This way, you can be sure that your "comparisons" give you something useful.
When you're done comparing, you can look at all of your results and choose the best price. This is how anyone can become an expert and compare low cost health insurance in West Virginia to find the best and cheapest price for health insurance.
