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Thursday, April 9, 2009

Health Insurance has affordable options

By Jeff Cline

Many people are looking for ways to cut cost. Cutting out your health insurance should not be an option! Without some type of health insurance you could end up in a lot of financial trouble. Most people can not handle medical expenses without the advantage of health insurance.

You can still save when it comes to health insurance however. You can take a look at your current plan and decide if you can live without some of the benefits and opt for a scaled down plan to save money. It is better then canceling.

Some people are finding that purchasing their own individual health insurance is saving them money versus staying on the employer offered group plan. Especially for dependents, since the employer often times is no longer paying their premium.

One way to save a lot on premium is to get a reduced or limited benefit plan like a catastrophic plan or saver plan. If you find that you do not visit the doctor often this is a wise choice and can save more then a $1000 a year in premium.

You should never go without health insurance, even if you will only be without health insurance for a short time. Instead you should purchase a short term health insurance plan. If I say it once I will say it again, something is better then nothing.

Temporary plans make a great solution for the lapse of coverage. You should never go without, because you never know when or if something major may occur. These plans are very affordable, as low as $30 a month. Going uninsured makes no sense!

The popular PPO plan can be tailored to fit your need and your budget. That is what makes this kind of plan so popular for consumers. Yu can find a huge range of plans, some with limited benefits for savings and some with full benefits fit for a king.

I understand as well as anyone how it is to struggle! But I can not stress how important it is to have good health insurance. There are to many options not to find what you can handle. With just a few clicks or a phone call to an agent and you can get the insurance you need.

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