| I'm sure you're aware that there is a national debate | | | | more for health insurance -period. |
| going on about how to make health insurance more | | | | Unfortunately the same is true about weight. People |
| affordable here in Alabama as well as elsewhere in | | | | who are overweight pay more for health insurance. |
| the country. Unfortunately that same debate has been | | | | However, the good news is that losing even just a |
| going on for decades, and until there is some relief on | | | | few pounds could put you in a lower weight category |
| a national scale it is up to each of us individually to do | | | | and save you hundreds of dollars a year. |
| whatever we can to get affordable health insurance in | | | | Don't participate in dangerous or extreme sports and |
| Alabama. | | | | don't drive a fast sports car if you want the best rates |
| Alabama is a leader in the country when it comes to | | | | on your health insurance. |
| certain types of state-sponsored low-cost health | | | | Can you afford to increase your co-payment? Many |
| insurance for kids, teens, college students, pregnant | | | | people have a co-payment - that is, cash they pay to |
| women and other groups. You may be surprised | | | | the doctor's office each time they make a visit - of |
| what's available and what you or members of your | | | | 20% to 25%. If you can afford to increase your |
| family may qualify for. | | | | co-pay to 50% it will save you considerably on your |
| For the rest of us the search for affordable health | | | | monthly premium. This is an especially good idea for |
| insurance in Alabama goes on. Fortunately there | | | | people who do not see their doctor on a regular basis. |
| actually are several steps the average person can | | | | How much of a deductible can you afford? Again, you |
| take to keep the cost of health care insurance | | | | should consider the answer to this question carefully |
| affordable. | | | | and weigh your decision because the amount you |
| If your employer doesn't offer group health insurance | | | | choose represents cash you will have to come up |
| that doesn't mean you're out of luck for getting a | | | | with each year to pay for your own medical treatment |
| group rate. Make of list of all the clubs, groups or | | | | before your insurance company will even begin to kick |
| associations that you belong to. A surprising number | | | | in. |
| offer group health insurance to their members. Ask | | | | The more you can afford to pay as your deductible |
| your friends if they belong to any groups or clubs or | | | | the less you will be asked to pay each month in |
| organizations that offer members group health | | | | premiums. |
| insurance. Join whatever group you need to in order to | | | | Now find at least 3 of the websites that permit you to |
| get affordable health insurance. | | | | compare prices for health insurance from different |
| Even some churches offer group health insurance. | | | | insurance companies here in Alabama. Make sure that |
| Ask around. | | | | you fill out the form the same way at all three |
| If you run a home-based business, even if your only | | | | websites so that your comparisons are valid, and then |
| employee is your spouse, ask your insurance agent if | | | | simply choose the company with the lowest price. |
| there is any way you can qualify for a group health | | | | That's all there is to it. You have now found the most |
| plan. | | | | affordable health insurance in Alabama and you can |
| If you smoke or use chew or any other tobacco | | | | rest easy knowing that you will be saving as much |
| product, you need to stop if you're serious about | | | | money as possible each month while still getting the |
| finding affordable health insurance. Tobacco users pay | | | | medical protection that you and your family need. |