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Fat is a nutrient that helps the body function in various ways: For example it supplies the body with energy. It also helps other nutrients work and, when it becomes fatty tissue, it protects organs and provides insulation, keeping you warm. But the body only needs small amounts of fat. Too much fate can have bad effects, including turning into unwanted excess pounds and increasing cholesterol in the bloodstream.
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Goji onlineHow to Fina Affordable Health Insurance

How to find Affordable Health Insurance

The trick to finding affordable health insurance

Are you one of the millions of Americans paying too much for your health insurance? Or haven't you even bothered to look because you think that it will cost you too much money? Well, I'm going to tell you how to find AFFORDABLE health insurance without giving yourself a headache!

The first and easiest way to find affordable health insurance is to work with an insurance broker, not an insurance agent who represents only one company (AKA a captive agent). Brokers are easier to work with because they do all the work for you! Most brokers will run your information through several health insurance companies so they can find you the most affordable health insurance out there. (I know that's what I do for my clients!) That saves you the hassle of calling 10 different agents looking for affordable quotes! Also, a broker is less likely to make a high pressure sale. A broker isn't dead set on selling you one company; if you don't like what they show you, they'll show you something else. Captive agents can't do that!

Ok so now that you know to work with a broker we can focus on getting you a lower monthly premium. The first and easiest way is to INCREASE YOUR DEDUCTIBLE! The higher your deductible, the lower your monthly premium. I know a lot of people are out there looking for a $500 or $1000 or $1500 deductible. But I have to ask myself, WHY? With most insurance companies, you don't have to satisfy your deductible to go to the doctor or to get a prescription. Isn't that what most people want health insurance for anyway, to cover doctor's visits and prescriptions? How many times will you actually have to go the emergency room or stay in the hospital (both of which would be part of the deductible cost)? You are better off having a high deductible and putting away money every month for an emergency fund.

Here's an example. You choose a $500 deductible instead of a $5000 deductible, which in turn makes your monthly premium increase by at least $100. Let's say you don't have to make a trip to the emergency room or have a hospital stay for 4 years. 12 months in a year, multiplied by $100 equals $1200. Multiply that by 4 and that's $4800!!! Can you believe it? You could have put that money aside and been earning interest! And that folks, is the money to cover that deductible! It's as easy as that!

To find affordable health insurance quotes please click on the link provided for Quotes Auction.

http://www.2insure4less.com/?s=232528&k=

About the Author

Hello everyone! I am a licensed insurance agent in the state of Michigan. I love to educate people on the importance and benefits of personal insurance!

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