Most people don't think about health insurance until they get sick. Then it can be too late, of course.
If you live in Nevada and want to save money on health insurance and get a discount, the first thing you should do is get a policy when you are young and healthy. If you buy your policy when you are young and healthy, your premiums will be low and stay the same for the life of your policy. Also, keep in mind that as the cost of everything else goes up because of inflation, your level-pay health insurance premiums will seem less and less important.
If you can't get insurance when you're young and healthy, you should get it now. The cost of your premiums goes up every time you have a birthday.
By far, the best way to save money and get a discount on health insurance in Nevada is to go online and compare as many different policies and companies as you can. Then, choose the company with the best policy and the best price for you.
But before you do that, you should know about a few things that could make your discount health insurance more expensive.
Do you smoke? If you say "Yes," you won't get the same rate of discount as someone who doesn't smoke.
Have you been sick for a long time? This could be asthma, diabetes, heart problems, or any of a number of other conditions, including being overweight. If you have what insurance companies call "pre-existing conditions," your health insurance may be more expensive or may not cover your condition at all, at least for a certain amount of time, usually six months to a year.
But under Nevada law, if you work for a company that offers group health insurance, you can't be turned down because of a condition you had before. Also, by law, if you buy a policy and then get sick, you must be able to renew it. In other words, it is against the law to cancel your health insurance just because you got sick and need to use it.
Do you have a dangerous job? You can expect to pay more for your health insurance if you work on a fishing boat, drive a sports car, or fly an experimental plane for a living. Not surprisingly, health insurance companies like to cover people with stable, safe jobs.
Even your credit score can have an effect on how much you pay for many types of insurance.
You can get discount health insurance, but you'll have to do your research and look around online to find the best policy at the best price. Also, do what you can to minimise the bad effects of anything in this article, because the lower your health insurance premium, the more money you'll save every year for the rest of your life.
