Everyone knows that health insurance can cost a lot. Health insurance is so expensive for many people that they can't afford it at all.
Obviously, if your job offers health insurance or if you can get health insurance at group rates through an organisation you belong to, you should look into it. Group insurance rates are almost always lower than individual rates, and a group policy may be more willing to cover pre-existing conditions than an individual policy.
Group insurance rates are becoming less and less useful for more and more people, especially those who work from home. You're lucky that you can still do a few things to keep your rates low.
Don't smoke in the first place. If you already smoke, you should quit. You need to stop using chew, snuff, or any other kind of tobacco product. Period. When it comes to health insurance, people who don't use tobacco pay a lot less.
Everyone knows how hard it is to lose weight, but being overweight is seen as a bigger health risk, so your health insurance premium will be higher each month. Even a small amount of weight loss could put you in a lower payment bracket, so anything you can do to lose weight could save you money for years to come.
Don't do sports or hobbies that are dangerous or extreme. If you do dangerous things on a regular basis, you will either have to pay a higher insurance premium or your coverage won't cover you for those things.
In the same way, driving a fast car or a sports car can also make your monthly health insurance premiums go up. Your monthly premium will go up if you are more likely to file a claim for health care.
How much your premium costs will depend a lot on how much of your co-pay you pay. When you go to the doctor or get other health care, you have to pay a certain amount of the bill in cash at the time of your visit. If you raise the amount of your co-pay, your monthly premium will go down. This can be especially helpful for people who don't go to the doctor very often.
Your deductible is the amount of money you will pay out of your own pocket each year before your insurance company starts paying. It is one of the biggest factors that affects how much your monthly health insurance premium costs. Your monthly premium will be less if your deductible is higher. Again, this works best for people who are usually healthy and don't need to see a doctor very often each year.
Buying a health insurance policy with a very high deductible of $2,000 or even $3,000 is an extreme example of this. These policies are very cheap and are meant to protect your home or other assets in case you have an accident or illness that leaves you with medical bills in the tens or even hundreds of thousands of dollars in a flash.
Now that you know some ways to save money, it's time to go online and start comparing different health insurance policies from different insurance companies so you can find the one that's right for you at a price you can afford.
Take your time and look at at least three different sites to compare prices. This way, you can be sure that you are seeing the best prices from all the companies in Iowa. You can also be sure that you have saved money and gotten the best discount health insurance in Iowa.
