- Florida Health Insurance - How to Find the Cheapest Price in the Sunshine State
- By:Alexis Jensen
Sometimes it seems as if finding affordable health care is a lost cause. Prices for health insurance have skyrocketed in recent years, leaving many families here in Florida scrambling to make their premium payment each month - or worse. Fully 16% of all Florida families can no longer afford any health coverage at all. But what would you say if I told you that there's a simple way to turn back the clock and step back to a time when health coverage was much more affordable? In fact, how would you like to know a simple little secret - a secret your broker hopes you'll never discover - which will instantly save you 30 to 40% on your current health coverage?
Before we get to the Big Secret there are several "smaller" things you can do which, added together, can reduce the cost of your health policy even FURTHER!
For example, if you simply pay your premium automatically each month directly from your bank account you'll save over $100 a year. The reason is simple. It costs a lot more than you think for a company to print and mail a bill to you every month. If you relieve them of that responsibility they'll gladly rebate the lion's share of that savings back to you in the form of a lower monthly premium on your health policy.
Most health insurance comes with a standard 25% co-payment any time you visit your doctor. If you see your doctor on a regular basis this is probably a good thing. However, if you only see your doctor a few times a year then you can probably save a good deal every year by upping your co-pay to 50%.
Do you know how much a fast food burger and fries meal costs? It costs a LOT more than the price on the wall. Not only are fast food burgers and fries one of the worst things you can eat from a health standpoint, but they are one of the main causes of obesity in this country and every pound you are overweight costs you plenty each month in increased health premiums. Stop eating fast food burgers and fries and you'll look better, you'll feel better, you'll lose weight AND you'll save money on your health insurance.
You know all about the dangers (the stupidity) of smoking or using chew. And I'm also sure you're aware that if you smoke or use chew you pay CONSIDERABLY more for your health coverage than you would if you did not use tobacco products. Please - if you are serious about saving money on your health care costs then you MUST be just as serious when it comes to quitting all tobacco products.
Increasing your deductible will also reduce your monthly premium. Just don't go overboard and increase your deductible to a level that's more than you can really afford to pay every year.
So what's the Big Secret that will let you get your health insurance at a wholesale price? How can you instantly save 30% to 40% right off the top every month on the cost of your premium? It's simple. In fact, it's so simple you may not believe it at first.
All you have to do is to buy your health policy online.
What could be easier? Online brokers don't have any overhead. That means they can sell you a policy at a wholesale price and still show a profit. In addition to that, there's a ton of competition for your online insurance dollar - and the only way for a broker to stay competitive in an environment like that is to cut prices - and then cut them some more!
The result is - YOU WIN! You save a ton of money simply by buying your policy online.
Oh - there's another benefit to buying online. When you purchase your policy from the comfort of your own home there's no broker breathing down your neck and sweet talking you into buying things you don't need and certainly can't afford.
So do yourself and your monthly budget a big favor and see for yourself just how much you save simply by buying your health policy online.