An unfortunate trend, although not one that is terribly prevalent, that MyInsuranceExpert.com has observed from its clients is the termination of a health insurance policy as a result of insufficient payment for the premium. This is always disheartening to see since the clients signed up to protect themselves from financial ruin, and now are walking around unprotected and uninsured. Because of our Advisors’ commitment to their clients we are typically able to find them a new policy. However, I want to stress the importance of finding a plan that not only addresses what you are looking for in coverage, but more importantly your budget.

Our Advisors truly care about helping you to find a health insurance plan that is affordable to you, and one that you can afford the premium on a monthly basis. There is little point in getting a plan you are going to drop three months later because of the premium. If one thinks about it, you might have well just thrown $200-$1200 (your monthly premiums for three months) out the window. This is why one of our biggest goals is to educate you about all of your options, and help you find a plan you can own for life, and that is portable.

What are the two easiest ways to save money on your health insurance?

• Acquire a plan with a slightly higher deductible.
• Access your personal situation. If you rarely ever go to the doctor, don’t pay extra for the copayment benefit.
  • The money you save on your premium will easily cover the one or two visits you may have a year.
  • Health Savings Accounts are great plans that will provide great and affordable coverage, but may not offer a copayment benefit.

If your health insurance premium is becoming a financial burden, speak with one of our licensed Advisors here at MyInsuranceExpert.com before dropping your coverage. They have no vested interest in any one carrier, and are here to help you find health insurance to best fit your personal situation.