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find low cost health insurance is not as easy as it sounds. I do not mean to be the bearer of bad news, but facts are facts, and I do not want to" sugar coat "and then have something you smacked hard with reality after you have your first health insurance quotes.

Many small businesses are forced to use it to their employees because the costs are just too high. What does an individual or family do if they are looking for a low-cost health insurance? Well, here are a few things you can do.

Some may sound a bit drastic or harsh, but when it comes to any kind of coverage or none at all, I'd always with what I could afford.

# 1 Do not be afraid to make on your reporting. Most people can usually put a few dollars to see the doctor when they need. I know it is easier said than done, but as a society we waste a lot of money. There is no way that you tell me that putting away $ 20 - $ 30.00 per month to kill your budget. The idea is to pay for doctor visits out of pocket and use of health insurance coverage for emergency care when required. Long-term care is what brings a lot of people into bankruptcy, so you can avoid if the majority of costs are you in better shape than most.

# 2 Increase your annual deductible. This is in line with number one. They want back on the costs and reduce your premium by increasing your deductible. Yes, that means that you probably have to pay your doctor for you. Most of the time you're doing it anyway. Think about it for a moment. You will see a doctor once or twice a year and pays $ 150 - $ 300.00. Your annual deductible is usually between $ 250 - $ 1000.00 anyway, so it's no big deal.

# 3 Take advantage of low-cost health insurance through your work, if possible. This group plans are designed to save you money and is almost always cheaper than buying health insurance in the private market.

Go take yourself a few free online health insurance offerings and then contact a broker or two and see what they can do for you. Get your bids, compare the cost of a policy to change until you are familiar with, and it fits your budget, and later, when things are somewhat better money wise, you increase your range of up higher.

These are only suggestions and you should always speak to an agent before making any decision for a low-cost health insurance. These are just some options that you should be aware of.

Stop! You can read more about low-cost health insurance, and even Get Free Health Insurance Quotes Right Now On http://TheHealthInsuranceGuys.org or by clicking on Low Cost Health Insurance

Rick Stevens is a former insurance agent from the northwestern United States.