Costs for health insurance are at an all-time high, which everyone knows. People, especially those who are self-employed, are desperate to find ways to save money on their health insurance. This is because both the cost of health care and the cost of health insurance are going up. This can be hard to do because most insurance companies aren't thrilled to cover people who work for themselves.
The first thing you should do is look around. Instead of calling the companies directly, you should call an agent who works with many of them. This will save you time and money because an insurance agent won't get paid unless he or she finds the right insurance for you and you agree to take it. Tell the agent exactly what you want and how much you are willing to pay for premiums, deductibles, etc. Don't forget to be specific! If you want to make sure you get what you want, you should give as much information as you can.
Read the fine print once you have some offers. This is the biggest mistake people make when they are looking for health insurance. The policy may look great at first, but once you're locked into it, you'll find that it has a lot of restrictions and extra fees. The goal of insurance companies is to make money, not to spend it. Usually, if something sounds too good to be true, it is.
Lastly, don't agree to any policy until you've looked into all the offers you've been given. Most of the time, a policy with a higher premium is better in the long run because it has lower deductibles and fewer limits. You might pay less for a policy, but you might also get a lot less in return. It doesn't matter how cheap the premiums are if the policy doesn't help you.
