For many people the very idea of finding cheap medical insurance companies seems ridiculous. And it's no wonder. The cost of health coverage has gotten so high that almost no one can afford to buy individual insurance and even group coverage is now so expensive that more than 50% of all Arizona residents who are part of a group plan admit that the cost of their monthly premium is a severe strain on their family's budget. However, there is one place where you can still find cheap companies.

Before we talk about getting cheap health coverage it's important that you understand that you need to do your part as best you can by getting and staying healthy. The healthier you are and the fewer times you need to see your doctor each year the more you are going to save.

Do you know just how much you can save on your health care costs if you don't smoke and don't use chew or any other tobacco product? In some cases the savings can be as high as 20% or even more! There are a lot of reasons for you to quite smoking - and now saving a bundle on your health insurance is one of them. One of the questions you have to ask yourself is: Just how serious are you about finding cheap medical coverage? Are you serious enough to quit smoking?

Diet and exercise also play a part in getting cheap premiums. If you aren't serious enough about your health to stop eating at fast food restaurants, stop eating French fries and other fried foods, and giving up super-high-calorie hamburgers, then you aren't really serious about finding cheap medical coverage.

You also need to get serious about exercise. You don't need a gym membership and you don't need to buy the latest and greatest gizmo from an infomercial. What you do need to do is to get up off that couch and walk around the block three or more times every week. You need to ride your bike to do some of your errands, or you need to join a group that walks around the mall in the mornings. You need to move your body.

Increasing your co-payment from 25% to 50% can save you as much as 10% on the cost of your premium, and setting your yearly deductible at the highest level you can afford will also save you money every month.

But the real trick to finding the cheapest medical insurance companies in Arizona is to simply buy your policy online. Online health insurance sellers discount their policies by as much as 30% in many cases. There is now no reason whatsoever for paying outrageously high prices for medical insurance when you can get such great deals online.

In order to get the cheapest prices online you'll need to make your price comparisons on more than one site, but once you've finished making all of your comparisons and you have all of the prices laid out before you, your only "job" then will be to pick the cheapest price and then sleep easy night after night, knowing you are saving the most money on your medical insurance that you possibly can.