Cheap California Health Insurance -- Suggestions To Help You Lower Costs

Contrary to what you might be made to believe, it's a lot easy to attract an affordable California health insurance rate. All you need to achieve this goal are pieces of information (that you'd have to put to use, though). Let's look at several sure-fire ways to get this done...

1. Maintain a healthy routine and you'll attract more affordable rates with time. The quality of your diet will eventually affect your rate. Try to cut off cholesterol, fats and high carb from your diet and you will not only spend less but also be healthier.

Beside your diet, your commitment to daily exercise will help you live a healthier life and also eventually get you lower rates.

2. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing condition that makes regular individual California health insurance hard to get or more costly.

3. There are people who are not eligible for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for standard health insurance. If you're one of such individuals, you will benefit much if you get a discount medical card. So what are they?

With these cards you are given medical attention from a network of health care professionals who are contracted to provide their services to card carriers at more affordable rates. They are not generally provided by any California medical insurance company.

You can use this option if you have a medical history that has made California health care insurance providers either declare you uninsurable or give you a rate that is too high. One advantage of a discount medical card is that everybody can use it. You only have to pay a monthly subscription to qualify to use their network of doctors.

4. Health insurance premiums paid by self employed folks might be tax-deductible. If your employer offers a flexible spending account then might help you get a tax break. Ask your tax professional. He/she will be able to tell if you can or can't make savings this way.

5. An inexpensive rate is good, however, be certain that you don't become blinded by focusing on it. What you should be after isn't necessarily the cheapest quote but that which offers the best value for its price. You can get really cheap rates that offer you the value you are after if you shop well. But be ready to pay a little more if required to buy the right coverage for you.

There are many cases where very low rates also come with great value but at other times they could have a poor quality. Such cheap offers won't do you any good because it is not the right coverage for you.

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