Affordable Individual Health Insurance -- Make Out Time To Read This

Are you sure you really want cheaper individual health insurance rates? Then you have to take the time to learn the things you'd have to do to ensure your goal. I've provided enough suggestions to help most people save up to 50% on insurance...

1. The pharmaceutical industry has popular brand names. Drugs that are so popular cost a lot more than comparable drugs and so raise your cost. But did you know that every generic drug has the same active agents as its big brand name contemporary? Where the dissimilarities begin and end are in their choice of inactive agents.

So by using brand names you truly aren't getting added value in spite of the fact that they cost a lot more. Nevertheless, take the time to ask a doctor you can really trust about this before you settle for any drug.

2. A straightforward but smart way of bringing down your individual health insurance premium is by authorizing an EFT (Electronic Funds Transfer). This authorizes your bank to credit your insurer with your premium payments automatically until you stipulate to the contrary. This saves costs by removing the need for payment notices or checks. Your premium is therefore reduced to reflect the lower cost of providing insurance to you.

3. If you find it tough to locate a private health insurance carrier due to pre-existing disease you can go for COBRA insurance. Just by the way COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

4. If you need to save in health insurance open a Flexible Spending Account. You can keep tax-free dollars to take care of your health needs. The selling point about this account is that it allows you to carry over unused funds into the subsequent year tax free. With this you can eventually save a considerable amount to meet your health needs.

5. In the majority of cases, your routine medical check ups won't cost you anything extra since your individual health insurance plan wouuld likely have up to two complimentary medical check ups for you annually.

Why does this lead to savings?

Treating a disease at its early stage is much more cheaper than doing so when it's already matured. You reduce the risk to your health insurance provider when health conditions are quickly diagnosed.

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