Almost everyone is asking how to get affordable health insurance in Mississippi. The reason is simple enough: health coverage has become so expensive that over 50% of the people in Mississippi admit that paying their premiums each month is a severe financial burden and fully 16% of all Mississippi residents can no longer afford medical coverage at all.
Hopefully this article will shed some light on things you can do to reduce the costs to the point where you can afford to get sick from time to time.
If you are generally healthy and you have assets - such as a home or a savings account or a portfolio of stocks - that need protecting you may wish to consider opening a Health Savings Account, also known as an HSA. This is a special tax-free savings account that can only be used to pay medical expenses. As part of your account you will be required to purchase a relatively low-cost High Deductible Health Insurance policy. For more information talk to your banker, or an insurance company - it is also probable that your employer will be able to provide you with information.
There are several other things you can do to keep the cost of your health care down. For example, you need to stop smoking or using any tobacco products. You know as well as anyone that you will never get the most affordable medical premium in Mississippi if you smoke or use chew. If you're serious about lowering the cost of your coverage, then you've got to be serious when it comes to quitting smoking.
If you're overweight you'll also have to redouble your efforts to lose at least a little weight. If you can shed even a few pounds you may drop down a peg on the company's weight chart and if that happens then you could potentially save hundreds of dollars each and every year.
Start eating healthy and get some exercise. Eating healthy generally ties into losing weight. Stop eating at fast food places and cut out most fried foods. You've got to make the commitment to getting healthier if you really want to save money on your medical premium.
Exercise can be as simple as riding a bike to do errands or walking around the block a couple of times three days a week. Join a local group that walks the mall in the mornings. Make exercise an enjoyable social event.
If you can pay your premiums yearly you'll save money, but if this isn't possible then set up automatic premium payments out of your checking or savings account every month. Auto pay saves you close to $100 per year.
Don't participate in dangerous or extreme sports. Also, don't drive a fast, sporty car as that could also increase the cost of your coverage.
Group health is less expensive than an individual policy. If your place of employment doesn't offer group health ask around at any clubs, groups, associations or organizations that you belong to. You'd be surprised by the number of different organizations that offer their members a low cost group medical plan.
If you can't find an organization that offers its members group health, see if any of your friends or family know of one.
Increase your co-payment. If you can afford it, increase your co-pay to 50% each time you visit your doctor. This will save you money on your premium each month and is especially effective if you don't see your doctor very often each year.
Increasing your deductible will also save you money each month. Be realistic, however, and don't agree to pay a higher deductible each year than you can actually afford.
Buying your health insurance online will also save you money. There are two tricks to saving big money when buying online.
First, don't rely on just one price comparison website. Find at least 3 price comparison websites and fill out the form on all three of them.
Second, use the information you have learned in this article when filling out the forms and be sure to enter the exact same information on all 3 forms. That's important. By entering the same information you will be comparing the same policy on all three sites and this will save you the most money possible.
Now simply choose the best price you find. That's really all there is to it. This is how to get affordable health insurance in Mississippi and keep the cost of your health care as low as possible all year long.
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