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How To Get The Best Rates On Health Insurance In Florida

February 26, 2011 by  
Filed under Finance

Finding a way to afford health insurance is a problem everywhere, not just here in Florida. Everyone wants to know how to get the best rates on health insurance in Florida.

The good news is, depending on how flexible you’re willing to be, creating an affordable health care insurance policy is within reach of the majority of people, regardless of their income.

If you have children 19 years old or younger who are not covered by any health insurance you may be able to qualify for a low-cost children’s health insurance program called KidCare that is overseen by the state of Florida in an attempt to make certain that all children within Florida receive proper health care.

If you have the opportunity to get group health insurance through your place of employment or through an organization to which you belong, you should give that plan a good look. Group health insurance is almost always less expensive than individual health insurance plus group insurance plans are more likely to accommodate many pre-existing conditions which might make individual health insurance unobtainable.

In creating a health insurance policy that you can afford here are several things to keep in mind:

If you have a home-based business that is over 6 months old you may be able to qualify for a group health insurance plan here in Florida even if you do not have any employees. Check with your agent to see if you qualify.

Smokers pay a lot more for health insurance than non-smokers. That’s a simple fact of life. If you really want to get the best rates on health insurance in Florida you can’t smoke. If you already have health insurance and you were a smoker when you took out your policy but you’ve since quit, you need to talk to your agent about having your monthly premiums reduced.

Unfortunately the same thing holds true if you are overweight. Overweight people pay more for health insurance than do non-overweight people. Again, that’s a simple fact of life. The good news is, even if you can just drop a few pounds that’s sometimes enough to get you into a lower weight category and that can still save you hundreds of dollars over the course of a year.

Don’t participate in extreme or dangerous sports or hobbies. Anything you do that puts your health at risk unnecessarily will increase the amount you pay for your health insurance premium. The same holds true of your job – if you hold a dangerous job you are going to pay more for your health insurance.

Do you have other insurance policies, such as a homeowner’s policy or an auto policy with the same insurance company? If so you should be entitled to a Multi-Policy Discount.

Have you had your policy with the same company for at least 5 years? Ask if you are entitled to a Long-Term Policy Discount.

How much do you pay as a co-payment each time you visit the doctor’s office? A lot of people have a 20% or a 25% co-payment every time they visit the doctor’s office. If you can afford it – and this is something you have to consider carefully – increasing your co-payment to 50% can save you quite a bit on your monthly premium payment. This can work especially well for people who seldom visit their doctor in an average year.

How large is your deductible? Your deductible is the amount that you pay out of your own pocket each and every year for your own health care before your insurance company starts paying even a penny. Once again you have to consider this very carefully, but the more you can afford to pay – in other words, the larger your deductible – the less your insurance company will charge you each month.

Use the information from this article to create a health insurance policy that will save you the most money possible – and then get online and see if you can’t save even more. Remember that you need to make your price comparisons on at least 3 different websites that allow you to make side-by-side comparisons of health insurance policies and their prices from a variety of different insurance companies, but once you put in the effort you can rest assured that you have now gotten the best rates on health insurance in Florida.

You can check out KidCare at http://www.floridakidcare.org/

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