How To Find Health Insurance For Less

Introduction

Today there are a lot of people who are unemployed. This doesn’t mean that they have just lost their salary but it also means that they have lost any health insurance for themselves or their family. While a lot of companies will allow you to continue your benefits for 18 months, it can be very expensive to do so. Therefore, you may have to go out and find your own health insurance for you and your family. With this in mind, here are some ideas to help you find coverage that you can actually afford.

Step 1

The first thing you should do is talk to your previous employer. According to the COBRA law they have to offer you health insurance for up to 18 months. Unfortunately, you may find that this is really expensive and thus you might be better off with a private health insurance plan. Nevertheless, with there being thousands of them in existence today it never hurts to at least maintain the insurance you already have until you can find a less expensive but similar plan.

Step 2

There are a lot of great websites that will allow you to compare various health insurance plans. You will be asked for specific information such as your age, height and weight but you will be given a lot of different choices. This can be very helpful for some people and yet it can be overwhelming for others. You’ll have to try it to see if this will work for you.

Step 3

Whenever you are considering health insurance for you and your family, it is really important to look at the deductible. You will have to decide how often you get sick or need medical attention. If you only need emergency health insurance for now, then you can get away with a small deductible. However, if you would prefer to be able to see the doctor more often and keep your monthly premium low, then you will want your deductible to be much higher. It is simply a matter of deciding whether or not you want health insurance for covering every single doctor visit.

Step 4

Decide what type of health care you want. Consider whether you want to keep your own doctors or if you are willing to accept an HMO insurance plan. Even if you choose a plan whereby you are able to select your own doctors, you may still find that not all of your doctors are covered. You need to try to find the plan that will cover most of your doctors if you choose to go this way though.

Step 5

Look for health insurance for yourself and your family online. There are a lot of websites that will allow you to actually compare plans. This is a great thing to use whenever you want to compare health insurance for up to four different plans at once. Of course, before you actually settle on health insurance for you and your family you should always call the company to make sure that you understand what you are about to sign up for.

Tips

The COBRA law requires companies to allow you to keep your health insurance for 18 months after you've become unemployed.

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