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Personal health insurance is a necessary cost, especially in the event that you have an illness or injury, the long-term care. The problem with personal medical insurance these days is that it is so expensive that many people simply can not afford it .

The latest statistics show that a large proportion of personal bankruptcy in the United States is caused by excessive medical bills. If a person can not afford to pay for personal health insurance in the first place, how in the world can they be expected to pay for long-term hospitalization costs? There are a few options that a person could be to their health insurance less expensive. Here are a few ideas.

# 1 Raise your deductible to the maximum - I am aware that this is more out of pocket costs, but your main objective is to provide coverage in case of large unmet medical need, so that by increasing your deductible you could easily cut your premium of 30 - 50% and thus the possession of an affordable policy. The secret to making this work is now an additional $ 20-25.00 each month for the rare occasions where you need a doctor. $ 25.00 per month amounts to $ 300.00 per year and should be sufficient to visit a doctor (or two) for things like colds, flu, ect. Also, you get your flu shots each year. These people who tell you that it "gives" the flu are full of them. It is a dead virus, so accepting, how are you the flu. Anyway, they get over quickly to the recording and save visible money later.

# 2 Get a policy with the minimum sum - I am aware that this is not preferable, but if you try to protect personal health insurance in your budget, you need to corners where you can.

# 3 Buy a discount plan - The plans are not insured. You have a lump sum for each medical procedure, you must pay out of pocket if you work with your doctor. But the savings can be quite large, especially at the expense of the hospital. Also, because it is not personal health insurance, they are not covered by insurance regulations. This means that if you are not insurable for any reason you should be able to offer a discount plan.

These are just a few ideas which you work. It is impossible for professional advice, without knowing, you know your budget, your needs, etc.

More information about Health Insurance and Get Free Health Insurance Quotes for Individual and Family http://TheHealthInsuranceGuys.org the website or by clicking on Personal Health Insurance Joe Stewart is a former insurance agent. He understands health insurance Made Easy.