Low cost health insurance sounds like a dream to many of us. The health insurance has become so expensive that every one American in five is not able to afford a insurance policy and even those who already have an insurance are struggling to pay their monthly premium amounts. However there is a secret only the brokers know by which you can get a low cost health insurance.

Before checking on the secret of getting an insurance policy at yesterday’s rates, there are certain tips to save money on your existing insurance policy.

To start with you can start paying your monthly premium from your account in the bank instead of the insurer sending you a bill. While this is a very small thing to do, you would see the difference in the monthly premium.

Next avoid taking fast food like burgers and fries. You would be shocked to know the number of calories present in the burger and the fries. These are loaded with cholesterol too. If you are suffering from weight related issues it is due to the fast food that you eat. And your health insurance will increase with the increase in your weight. By saying no to these fast foods, you are doing a favor to your health and your wallet.

Using chew and smoking would also affect the cost on health insurance. They will shorten the lifetime and also increase the cost on the health plan. So avoid tobacco products if you want a low cost health insurance.

Many health insurance comes with a 25% standard co-payment for every visit you pay to your doctor. If you are a regular visitor then this is a good option. However if you don’t visit often then you can increase your co-payment which would reduce the monthly premium.

Another option is to increase the deductible which would reduce the monthly premium amount. But do remember that you will have shell out the amount specified as deductible before the insurance company starts paying your expenses and hence be careful on what you set as deductible. Do not set an amount you cannot afford.

The big secret with which you can get a low cost health insurance is that you should buy your insurance online.

There is no overhead for online agents and it is very simple. This invariably means you could get yourself an insurance policy at a decade old cost.

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