Costs for insurance can seem out of reach, but the truth is that most of us need more than one type, including health insurance. Still, it's not a secret that the cost of health insurance in Nevada is going up faster than the overall rate of inflation.
But without health insurance, one big accident or illness can wipe out a whole generation's savings in the blink of an eye.
Health care costs a lot, so health insurance costs a lot too. All of the amazing things that modern medicine has done are amazing, but they all cost something. And in the end, those who buy health insurance are the ones who pay most of the cost.
That's one reason why so many people in Nevada are doing everything they can to find affordable health care right here in Nevada. It's not enough to want affordable health care or to complain about not having it. In the end, you have to do something to find affordable health care.
So what can you do to find health care that doesn't cost a lot? Start by figuring out what kind of health insurance you and your family need the most. Next, figure out how much you can afford to spend on your own health care each year, on top of any health insurance premiums you have to pay.
For example, if you have very young children, you might want insurance that pays for many trips to the doctor. If you live with very old people, you may want the best hospital coverage or the best prescription coverage on your insurance.
In other words, make a list of the types of health insurance that are most important to you and put them in order of importance.
And knowing how much you can pay for your own medical care out of pocket gives you a good idea of the deductible you can afford to pay. The higher your deductible, the lower your monthly premiums will be.
When you go online to compare health plans and prices from different insurance companies, you can now make a health plan that fits your family's health needs more quickly and easily.
There may be a few things you can do ahead of time to help keep the cost of your health insurance as low as possible. Stop smoking if you do. Smoking is bad for your health and makes health insurance much more expensive. In the same way, if you are overweight, you should do everything you can to lose weight.
Don't think you can find the perfect health insurance plan for you and your family at a price you can afford. There might not be such a plan. There will always need to be compromises. But you have a better chance of finding affordable health insurance right here in Nevada if you know what is most important to you and your family before you start looking.
