| ore than 50% of all West Virginia households the idea | | | | Joining an HMO or a PPO can save you a |
| of low cost health insurance is something of a | | | | considerable amount over buying health insurance as |
| misnomer, because at least half of all West Virginia | | | | an individual, but be prepared for the possibility that you |
| households report that paying for health insurance is a | | | | may have to give up your favorite doctor - unless |
| severe strain on their monthly budget - and | | | | your doctor happens to be a member of the HMO or |
| approximately 16% of all West Virginia families can't | | | | PPO you want to join. |
| afford any health insurance at all. | | | | Don't take part in extreme or dangerous sports. Also, if |
| Hopefully this article will shed some light on ways that | | | | you drive a fast sports car, it may be time to sell it - at |
| almost every family in West Virginia can compare and | | | | least it is if you are serious about finding affordable |
| find low cost health insurance without breaking the | | | | health care. |
| family budget. | | | | Pay your premiums automatically out of your checking |
| It should come as no surprise that health care costs | | | | account. If your insurance company doesn't have to |
| less for healthy people. One way to save money on | | | | prepare a bill for you every month they'll pass the |
| health care and to see the doctor less frequently is to | | | | savings in to you. |
| eat right and to get plenty of sleep and exercise. | | | | If you are self employed or have a home-based |
| Eating right means giving up fast food and fried food - | | | | business ask your tax advisor if all or a portion of your |
| except in very limited quantities. Exercise doesn't have | | | | health insurance premiums can be tax deductible. A |
| to mean buying the latest infomercial fad - exercise | | | | tax savings could make your health insurance a whole |
| can mean walking briskly around the block or joining a | | | | lot more affordable. |
| walking group that walks in the mall every morning. | | | | Buy your drugs over the internet. You might be |
| Exercise can mean riding your bike to do errands | | | | surprised at the savings you can realize on most drugs |
| around town and leaving your car at home. | | | | if you purchase them over the internet. |
| It should also come as no surprise that smoking and | | | | Increase your deductible. Obviously you can only do |
| using any form of tobacco is not only bad for your | | | | this is your budget will allow it, but increasing your |
| health but it will also cost you considerably more in | | | | deductible is probably the fastest and most sure way |
| health insurance costs. If you are sincere about | | | | of lowering your cost of health insurance. |
| comparing and finding truly low-cost health insurance | | | | Buy your health insurance over the internet. There are |
| then you can't continue to smoke. | | | | literally dozens of websites that encourage you to |
| It also means you may have to lose weight. Your BMI | | | | compare prices on health insurance between different |
| (Body Mass Index) is one way health insurance | | | | insurance companies. Just don't make the mistake of |
| companies determine your monthly insurance premium. | | | | thinking that you only have to make your comparisons |
| The lower your BMI the less you are going to pay. | | | | on just one site. |
| Losing even a few pounds could - hopefully - drop you | | | | If you're serious then be prepared to make |
| a notch on your insurance company's BMI meter and if | | | | comparisons on at least 3 different websites and also |
| that happens you could save hundreds of dollars each | | | | be certain that you input the exact same answers in |
| year. | | | | the forms on all three sites you've chosen. This way |
| Find group health insurance. Group health insurance | | | | you can be sure that your "comparisons" actually have |
| may be less picky about your weight and smoking | | | | a value for you. |
| habits and group health insurance is almost always | | | | Once you've finished all of your comparisons then |
| cheaper than individual health insurance. If your place of | | | | comes the fun part - reviewing all of your results and |
| employment doesn't offer low-cost group health | | | | choosing the best price you can find. This is how |
| insurance try asking at any clubs, organizations or | | | | anyone can become an expert and compare low cost |
| associations that you belong to - if that fails ask friend | | | | health insurance in West Virginia and find the very best |
| and family if any groups or clubs they belong to offer | | | | and lowest price for health insurance possible. |
| members group health insurance . If so - join! | | | | |