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Can I save money with an online health insurance quote?

smartphone with notebook health insuranceYou can absolutely save money with an online health insurance quote, especially when you get them through a site such as this one, which allows you to compare quotes side-by-side from competing health insurance providers. Using a free online quote tool is often more efficient and takes less time than talking to your local independent insurance agent, whether by phone or in-person.

See how easy it is to get an online health insurance quote today! All you have to do is put your zip code into the box above.

It’s important to remember that quick online health insurance quotes aren’t usually completely accurate, as they only ask for basic personal information to come up with the quote. This information usually includes:

  • Your age and gender
  • Your birth date
  • Whether you use tobacco
  • Whether you use medication daily
  • Your zip code

Once you decide on a health insurance plan, the insurance company administering it will get more detailed and specific information from you, allowing them to come up with the correct insurance rate.

Where can I find online health insurance quotes?

Besides getting online health insurance quotes from this website, you can also go to the websites of health insurance companies and get online quotes there. For instance, Aetna has a “Get a Quote” button displayed prominently on the left side of its home page, where you can click through, enter your zip code, and find rates for the plans it offers in your area. Unfortunately, Aetna doesn’t offer health insurance, whether individual, family, or business, everywhere in the U.S., so there’s a chance you won’t find insurance through Aetna.

Is it better to get health insurance quotes on the Internet or through an agent?

Like so many things in life, the answer to this question is entirely a personal one. Depending on your individual needs, you may find that meeting with an insurance agent works out much better for you than finding health insurance online. On the other hand, you may prefer the ease and time saving associated with researching insurance on your computer.

The advantage of having a real, live person handle your health insurance questions is that insurance agents are trained to work with you to find the policy that best fits your needs, and your finances. For the most savings, be sure to meet with an independent agent who represents more than one health insurance company, as opposed to an agent who works solely with one company. The independent agent will be able to shop amongst the companies and plans that he represents, to find the one best suited for you.

Eventually, even if you get your health insurance quote online, you’ll most likely need to talk to a customer service representative of the provider you pick. So it’s up to you to decide how much research you’d like to do on your own and how much you’d like somebody else to handle on your behalf.

How else can I save on health insurance, besides with an online quote?

There are several ways you can save on your health insurance rates. The first way is to quit smoking or using any type of tobacco products, if you haven’t already done so. Smokers pay about double the amount of money for their health insurance (and life insurance) policies as non-smokers do. This is because smokers tend to cost more for insurers; needing more doctor visits, sick days, and major medical procedures.

Another relatively easy way to save on your health insurance is to pick a plan that offers the most basic of coverage, such as a catastrophic health or high deductible health insurance plan. These are basically “no frills” health plans that offer protection in case of a major medical event, but don’t typically cover the cost of annual check-ups and exams. Obviously, these types of plans are not for everybody, especially if you have children to insure. However, they are something to think about if you tend to be healthy and have a relatively good family health history, and don’t have dependents relying on you for coverage.

You should also consider raising your insurance deductible, if you have one, in order to pay less in premiums. Again, any time you make a change to your health insurance plan, you should be certain that you’re still keeping enough coverage for your needs. It might benefit you to pay higher premiums if you need to see a doctor often or are on a daily medication, as you might pay more for these services out-of-pocket if you were to increase your deductible.

You can start your search for online health insurance quotes here by typing your zip code into the box below!

 

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