How to Get the Best Health Insurance Deals

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By HowardBThiname
User-Submitted Article

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Shop before you buy.

Forget well child visits, it costs too much to take your child to the doctor when they’re sick, let alone well. You’re still looking for that job with health insurance benefits but fewer and fewer employers offer insurance benefits these days. Private health insurance can be cost-prohibitive but you owe it to your family to check into the best health insurance deals before you say no.

Difficulty: Moderately Challenging

Instructions

Step 1

Sign up for short term, temporary insurance. Surprisingly affordable, short term insurance offers flexible plans when you’re between jobs or just need insurance quickly. Get quick, anonymous free quotes. (See Resources)
Step 2

Buy affordable student health insurance if you’re in college or if your child is in college. Many insurance agencies offer competitive rates for students. (See Resources)
Step 3

Start a Health Savings Account (HSA). HSA were signed into law in 2003 and they allow you to set money aside to provide for your own health benefits, tax free. This is helpful if you currently take a lot of medications and have no insurance. The cost of the medications is a qualified expense with an HSA. (See Resources)
Step 4

Find out about Medicare Advantage and Medicare Part D if you are a senior citizen. (See Resources)