One of the most talked about and expensive types of insurance that the average American has to buy is health insurance. In fact, health insurance has gotten so expensive that about 17% of all people living in Florida don't have any kind of health insurance.
Like most other states, Florida has a programme to help children get health care. The programme in Florida called "KidCare" is meant to help kids under the age of 19 get health care. There are income eligibility requirements and other qualifications, but if you are having trouble finding health insurance for a minor, you may want to check out Florida's KidCare programme at http://www.floridakidcare.org/.
There are things that most Floridians can do to keep their health insurance costs in check.
Start by living a healthy life. Health insurance is likely to cost you less in a number of ways the healthier you are. That means you have to eat well and work out every day. Simple exercises like walking, biking, and swimming don't have to cost a lot of money or be hard on your body. One English study found that walking to the end of your driveway and back every day could be good for your health.
A healthy way of life also means not smoking or using any other tobacco product (such as chew). Health insurance costs a lot less for people who don't smoke than for people who do. If you already have health insurance and you smoked when you signed up for it but have stopped since then, you should talk to your agent because you could be eligible for a big discount on your monthly premium.
When it comes to health insurance, being overweight will cost you money. Being overweight isn't good for your health, so health insurance companies will charge you more the more overweight you are. The good news is that if you can lose even a few pounds, you may fall into a lower-cost category, which could save you a lot of money over the course of a year.
Don't do hobbies or sports that are extreme or dangerous. If you do something that puts your health at risk, your health insurance premiums will go up every month. You can also expect to pay more for your health insurance if you work in a dangerous job.
Do you have other types of insurance with the same company, like home or car insurance? Ask for a discount for having more than one policy.
How long have you been with the same insurance company? If so, ask for a discount for long-term plans.
What is your co-pay right now? Many people have to pay a co-pay of 20% or 25% every time they go to the doctor or get other medical care. You can save a lot on your monthly premium payment if you can increase your co-payment to 50%. This idea works best for people who don't go to the doctor very often.
Your deductible is often the quickest way to lower your monthly health insurance premium. Your monthly premium will be less if your deductible is higher. Before you ask your insurance company to start paying for your health care, you should think carefully about how much money you can really and truly afford to pay each year.
Now that you know what you need to know, you can put together a health insurance plan that gives you as much coverage as possible while still being affordable. That means you need to go online and find at least 3 sites that let you compare the prices of health care from different insurance companies side by side, so you can really get cheap health insurance in Florida.
Don't be too hard on yourself. If you want to be sure that the low price you are seeing is the lowest price you can find, you should compare prices on at least three different websites.
