How to Find Affordable Health Insurance for Healthy People

How do you find affordable health insurance? Healthy people and young adults don't have to pay high premiums every month.

Here is a guide to help you find affordable health coverage.

Difficulty: Moderate

Instructions

Things You'll Need:

• High Deductible Health Insurance
• Low Cost Health Savings Account

1. Go with a high deductible health plan, this can reduce your premium by 50%. You will be required to pay the first $1,150 of your health care costs. The idea is to make the money you will save on your monthly premiums work for you. Often times this is the most affordable health insurance plan for healthy people.

2. Combine your high deductible health insurance plan with a health savings account (HSA). Place the money you will be saving on premiums in your HSA. You can add up to $3,000 a year into an HSA. This money can now earn interest in a tax free account.

3. Look for a health savings account that does not charge an annual fee. Affordable health insurance for healthy individuals is possible, it just takes the right coverage combination. A low cost health savings account combined with high deductible insurance is a viable option.

4. Be smart, take advantage of free online health insurance quotes. Healthy people have the luxury to compare low cost health insurance plans.

[kp3028]

on 10/5/2009 Some good advise....read another article on How to Choose Insurance by going to: http://www.ehow.com/how_4833505_choose-insurance.html