Finding cheap medical insurance companies in Alabama is becoming harder and harder to do. It seems that no medical insurance is cheap any longer. In fact, the cost of medical insurance has gotten so high that more than 16% of all families in Alabama are currently without health insurance of any kind. Fortunately if you find yourself in that position, or close to it, there are a number of things you can do today that can lower the cost of your health insurance as quickly as tomorrow.
If you haven't already set up the automatic payment of your monthly premium directly from your bank account then do so today. This isn't a huge savings, but every little bit adds up.
If you don't see your doctor very often in a normal year then increase your co-payment from 25% to 50%. This can save you several hundreds of dollars over the course of a year.
If you can possibly afford it, increasing your deductible will decrease your monthly premium almost instantly. Just be sure that you have the resources to pay for the additional deductible each year before your insurance takes over.
If you smoke or use chew you simply must quit if you want any chance of finding the cheapest medical insurance you can. If you're serious about saving money then you've got to get serious about quitting smoking.
You've also got to get serious about improving your health in general. Stop eating at fast food restaurants - or at least cut back the number of days you do considerably. Do not super-size meals and do not buy french-fries or other fried items. Changing your eating habits is not as difficult as you might think.
Getting a little exercise will improve your health and help you lose weight. Walk around the block a few times each week. Ride your bike to do errands or ride your bike to school each morning with your kids. Join a group that walks around the mall each morning. Get up, get out and move around!
There's only one place for you to find the cheapest medical insurance companies in Alabama and that's online. It's not hard to find several websites that allow you to make comparisons of health insurance prices from different insurance companies. Just make sure that you check out the prices from a number of different sites rather than relying on just one site.
But after you've taken the time to make comparisons on 3 or more websites you should have sufficient choices to pick the very best rate for health insurance that you are likely to find.