Health Insurance In California -- Ways To Get It Cheap

There are many interesting ways to spend less on health insurance in California. I'll touch a few of them in this article. Please, take note that this does not pretend to be an exhaustive list. There are over 40 ways you can spend less. However, I'll only touch about five here...

1. A Flexible Spending Account is invaluable in your quest to save. It is a kind of savings account where you can put tax-free dollars for your health care needs. Any amount not used could be rolled over into the next year (still tax free). This offers you a tax free way of building big reserves of funds to cater for your future health needs.

2. Similar to an HMO, a Preferred Provider Organization (PPO) is normally cheaper than regular health insurance in California. It is more expensive than an HMO and also offers more options.

You can check your needs and what your profit would be for either making use of a PPO or regular health insurance. If cost is your main concern, you will actually save more by joining a PPO instead of purchasing normal health insurance.

3. Buy catastrophic health insurance rather than a regular health insurance plan if you hardly fall sick and you'll get better rates. For folks who do not know what it is, catastrophic health insurance caters for you if you fall ill suddenly or get involved in an accident.

You'll truly appreciate this policy if you ever need to pay huge bills due to sudden diseases or accidents. That's why it's a protection against catastrophic illness or accidents. They come at very affordable rates.

However, bear in mind that it has deductibles that are as high as $2,000. Notwithstanding, you'll be willing to contribute that little if your medical bills total as high as $50,000. This is where this policy really shines.

4. It's now generally known that smoking will attract higher rates on health insurance in California. What many might not understand is that the same also applies if you use any other form of tobacco product. For instance, you'll get a more expensive health insurance rate if you chew or snuff tobacco.

So, you will help yourself attract more affordable rates if you stay away from tobacco use in any form.

5. Being on the same health insurance policy could save you a lot if you're married. You have to check your options though to determine which gets you more savings. This is because depending on your details and health needs, you may be better off buying two separate health insurance plans.

Finally, you'll save much on health insurance in California if you get and compare quotes from five or more sites. You might save some hundreds or even a few thousand dollars by simply getting doing this right.

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