Affordable California Health Care Insurance -- Tips For Spending Less

Contrary to what you might be made to believe, it is a lot easy to get a lower California healthcare insurance rate. The only things that are holding you from attracting a better rate now are relevant information and a resolve to use the information you get -- Nothing more. Let us get into the ideas you need to attract more affordable rates...

1. Ensure a healthy life style and you will attract cheaper rates over time. If you can avoid eating junk food you'll save with time. You will do well to stick to the right diet for you if you want a healthy life and inexpensive premiums.

Apart from your diet, your commitment to routine exercise will help you live a healthier life and likewise get you lower rates.

2. If in your case it's tough to get regular health insurance carrier because of an unfavorable medical history you can go for COBRA insurance. Just by the way COBRA is the abbreviation for Consolidated Omnibus Budget Reconciliation Act of 1985.

3. There are folks who may not qualify for special health insurance for low-income earners and at the same time unable to afford regular health insurance. If you are one of such, then you can save on health care by going for a discount medical card.

With this special kind of card you are given medical attention from a network of health care professionals who are contracted to render services to card carriers at more affordable rates. Such cards are not issued by an insurance company.

It is as well a wise choice for people with a pre-existing ailment that will disqualify them from most California health care insurance providers or make them attract prohibitive rates. One advantage of a discount medical card is that everybody can use it. You only need to pay a monthly fee to qualify to use their network of doctors.

4. Your premiums might be tax-deductible if you're self employed. If your employer offers a flexible spending account then might help you get a tax break. Ask a tax professional. This will help you determine what will entitle you to a tax break and what won't.

5. Don't be carried away by the lowest price as you shop for low cost California healthcare insurance. You should be wary of a very low quote that does not offer you the desired value. You can get really cheap rates that give you the value you are after if you shop right. But be willing to pay a little more if necessary to buy adequate coverage.

Bear this in mind because a number of cheap rates are so because they do NOT have much value to offer you. A California medical insurance package that compromises you doesn't make sense even if it's five times cheaper than the quote that gives you the right coverage.

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