California Cheap Health Insurance -- Sure Ways To Get It

California cheap health insurance: You can get cheap and affordable health insurance in California if you take certain steps. Your rate is calculated based on a number of factors. You can do nothing about some but you can do a lot about a lot of them. We'll touch a number of those factors in this article along with other things that will help you save...

1. Smokers have health insurance rates that are double or more that of non-smokers. It is no longer debatable that smoking is the leading cause of cancer and other terminal diseases.

It costs health insurance carriers a lot more to give health insurance to smokers because of their high risk. This makes it impossible for you to get cheap California health insurance as a smoker. However, once you stop smoking for about 12 months and inform your current insurer or reapply to another insurer, you'll see a remarkable slash in your health insurance rates.

2. If you opt to pay your premiums monthly, you'll attract higher health insurance rates. The ads may show that paying monthly is easy but what you're not told is how much more you pay for this.

If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts a certain charge. All through a year, your monthly checks would be processed differently since they are all different transactions. You'll then have to pay the total of 12 transaction charges.

That's just part of it: Insurance companies also incur higher administrative costs for your monthly payments. A good example of such is the expense associated with sending out payment notices.

These costs plus a profit margin for this "value-added service" is factored into your health insurance rates making it more than a comparable profile that pays yearly every year.

3. Your California health insurance rate will be cheaper if you raise your deductible. For people who don't know what a deductible is, it is an amount you will contribute before an insurer pays according to your policy's terms. Therefore, make it as high as you can within easy reach.

4. You might be missing some discounts you qualify for with your preferred insurer just because you are not aware of them. Since agents too are not above mistakes they might not remember to tell you about some discounts you should take advantage of. You will discover simply by telling your agent that you want to be sure you've been informed about every discount there is. Do not be shocked if you discover some that you've not heard of.

5. Your drug cost may sometimes be cheaper than your co-pay. There are instances where it will cost you less if you don't use your insurance but buy a prescription from your purse. Do whichever gives you bigger savings. Checking each time will let you make massive savings over time.


Despite all you do you'll not be doing all you should to get California cheap health insurance if you do not get and compare quotes from five or more sites.

I advise that you use at least five quotes sites because that will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of landing better quotes.

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