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How To Get Cheap Health Insurance Online In New Jersey

February 14, 2011 by  
Filed under Finance

Finding cheap health insurance online in New Jersey has become a quest bordering on an obsession for many people. Health insurance is expensive and it seems as if it is getting more expensive by the month. In fact, health insurance has gotten so expensive that almost 17% of all New Jersey residents are without health insurance of any kind.

If you have children 18 or younger and you are unable to find any insurance that you can afford that will cover them it is possible that they (and even you) might qualify for a low-cost state-sponsored insurance program known as the New Jersey Family Care program.

Fortunately there are several steps almost anyone can take which will help reduce the amount they have to pay for their health insurance every month.

Start with lifestyle. If you smoke you’ve heard it before, but the fact is that smokers pay considerably more for health insurance than do non-smokers. If you are serious about saving money on health insurance then you are going to have to be equally as serious about quitting smoking – and that goes for using chew or any other tobacco products as well.

Your weight is another factor that health insurance companies take into account. Your BMI, or Body Mass Index has a great deal to do with how much you pay for health insurance. For many people losing weight seems like an impossibility, but if you can lose even a little there is the chance that you might drop down into a lower BMI rating and if that happens you could potentially save hundreds or even thousands of dollars on your health insurance premiums over time.

What’s your credit score? Believe it or not your credit score affects how much you pay for your health insurance, so do whatever you can to keep your credit healthy. The healthier your credit score the less you are going to pay for your health insurance.

Can you consolidate other insurance policies you have with the same insurance company? If so you should get a break on your health insurance through what is called a Multi-Policy Discount.

Have you had a health insurance policy for at least 5 years with the same company? If so ask for your Long Term Policy Discount.

Do you participate in extreme or dangerous sports? Do you drive a fast, sporty car? Do you have a job that is considered dangerous? If you answered “Yes” to any of those questions chances are you are not going to get the cheapest rate on your health insurance.

Check around to find out if you could possibly find a group health insurance plan. Even if a group plan is not offer where you work, or if you work out of your home, there still may be a way for you to get group health insurance. Do you belong to any clubs or any groups? Quite often an organization you might never think of in term of health insurance offers its members a great group plan. Start asking around. Some churches even offer group health insurance.

What’s your co-pay? If it is under 50% you might want to seriously consider raising it to 50%. This is a decision you can’t make lightly since it means a greater amount of money out of your own pocket each time you visit the doctor, but if it makes sense to you to raise your co-payment you will reduce your monthly premium payment. If you don’t see your doctor very often over the course of an average year this could be a great way for you to save some serious money.

What about your deductible? Once again this is something that needs to be considered carefully because your deductible represents a chunk of change that you have to come up with each year and spend on your own medical needs before your insurance company will pay its first penny toward your care. Just remember that the more you are able to pay – the larger your deductible – then the less you’ll pay each month in premiums.

So there you have it. Now you know how to fill in the form on those websites that let you compare the prices of health insurance online in New Jersey – simply use the information you have gathered from this article.

Be certain that you take the time to fill out the form on at least 3 different websites and you’ll be virtually guaranteed of finding the rock-bottom lowest price there is for cheap health insurance here in New Jersey.

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