How to Get Affordable Health Insurance in Missouri

According to recent U.S. census figures, almost 15% of all Missouri residents are without any health insurance coverage whatsoever. This puts them and all of their assets at considerable risk should they be struck by a catastrophic accident or illness.

In order to prevent you from being among the 15% of Missouri residents who do not have a health safety net, lets look at some ways that you can lower your health insurance premiums so that you can afford at least catastrophic health care insurance.

If you are offered group health insurance at work consider signing up. Often you can find the best rates with a group plan, plus a group plan is not allowed by law to single out any participant for tobacco usage or for any preexisting health issues at least once youve been signed up for a certain amount of time.

If you are not offered health insurance through work, then you may have to make a few concessions in order to get the most affordable rate for your health insurance. Start with your lifestyle. Dont smoke or use tobacco products in any form. If you already smoke then you really need to stop. Smoking will add considerably to the cost of your life insurance. If you are obese, then you need to lose weight. I know how difficult that can be, but it is vital for your personal health as well as for the health of your pocket book if you want to afford to buy health insurance.

If you have any other insurance such as life insurance or homeowners insurance buy your health insurance from the same company if possible most companies have a multi-policy discount that can save you up to 10% on your monthly premiums.

Sit down and figure out the highest possible deductible that you can afford because the higher your deductible the lower your monthly health insurance premiums are going to be.

Many people are being forced to re-examine the entire concept behind health insurance. Rather than thinking of health insurance as something that pays (or helps to pay) for every doctors visit or every outpatient procedure, it may be necessary to look at health insurance in terms of a safety net in case of a catastrophic accident or illness.

You can do this by purchasing a policy with a very high deductible. This will mean that you will pay for all or virtually all of your routine medical needs just as if you had no insurance at all however, should you have a major accident or illness or need an extended hospital stay, then your insurance policy will kick in, saving you from financial ruin.

Once you have made you decisions regarding changes of lifestyle and deductible it is time to go online and check out several of the hundreds of websites that allow you to compare health insurance policies and prices here in Missouri. Youll need to enter all of your information onto at least 3 different websites in order to get the widest possible mix of insurance companies, but once youve done the work and put out the effort, the results should save you a ton of cash every month for years to come.

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