The incredibly high cost of medical insurance has sent hundreds of Arizona residents scrambling to find a cheaper high risk form of coverage. Up until relatively recently there really wasn't any alternative to high-priced medical coverage, but now everyone has a choice in their medical coverage and for thousands of people there is a new form of medical "insurance" that makes a lot more sense - and which saves them hundreds or even thousands of dollars each and every year.

This new type of health coverage is a Health Savings Account, or HSA. If you've never heard of it before you're not alone. HSAs have not been well publicized. An HSA is a very special savings account that you can put tax-free dollars into. That's right. The money you put into your HSA is not taxed. You use these cheap tax-free dollars to pay for your medical needs each year.

Paying for your doctor visits and your prescriptions with tax-free dollars is equivalent to getting your medical coverage at a discount of around 25%. And because you are spending your own tax-free money on your doctor and hospital and prescriptions there are no restrictions whatsoever on which doctors or specialists you see. You call the shots.

Not only that, but since any funds left in your account at the end of a year are rolled over into the next year, it is quite possible that a fairly health individual could, over time, build up quite a nice tax-free nest egg which they will have access to once they begin collecting social security and taking advantage of Medicare.

To protect your life savings and even your home from the possibility of a catastrophic accident or illness which would otherwise wipe them out, you will be required to purchase a very low-cost super high deductible health insurance policy at the same time that you open your Health Savings Account.

This super-high-deductible policy won't pay for your doctor's visits or your prescriptions during a normal year - that's what you use your tax-free savings account for. Your cheap health policy is only designed to protect your assets in the event of some major accident or illness.

There is something else you can do that will save you more money on your health coverage than you ever thought possible - and it's so simple. Buy your policy online. There are dozens of online health insurance sellers, each vying for your business and each one ready to offer you health coverage at what amounts to wholesale prices!

Don't pass up the opportunity to get your medical coverage at a savings of anywhere from 20 to 30%. Get online right now and see for yourself exactly how much you can save.

Health insurance helps protect you from high medical care costs. It is designed to cover treatment for curable, short-term illness or injury ( commonly known as acute conditions).

Health

Health insurance is also not cheap and it can't be because doctor bills are so high. It is so expensive nowadays because for one, there have been big gains on medical science over the past few years. Health policy is protection against the possible health problems that could happen in the future, and you have absolutely no way of knowing what those might be.

The accident, to be covered, must have occurred while the beneficiary was covered under this exact same health insurance contract. Many people in the United States get a health insurance policy through their employers. These plans contract with health care providers and medical facilities to provide care for members at reduced costs. You can also purchase health insurance on your own. People who meet certain requirements can qualify for government insurance, such as Medicare and Medicaid. You can count on your policy to cover you for a hospital stay. Most policies cover doctor visits, but benefits for mental health, prescription drugs and dental care are strictly optional. A growing number of public and private sources compile information on the track records of individual doctors, hospitals, and health plans. State and federal regulations protect you from losing your health coverage in the event you lose your job. If you and your spouse both get health insurance at work, you must sort out whether it makes more sense to have two policies or for one of you to cover the other. The health care system is changing and so is health care within the United States which has resulted in more families participating in heath insurance.

Policy

Even if you do receive coverage through an employer-sponsored health plan, you should consider the cost-saving benefits of switching to a family health insurance policy or moving some of your family members off of your group policy into a family plan. Since small business health insurance offers guaranteed coverage to all employees in a given company, it can be difficult and time consuming for a small business owner to find the best policy. Each health insurer will give you a policy summary or "key facts" document and a full policy document either before or immediately after you sign the contract of insurance. The summary or "key facts" document will set out any significant and unusual limits of your policy. Health care reform is a top priority for voters, and the presidential candidates continue to present an array of policy initiatives that could transform the nation's health care system. Before choosing the health insurance policy, it is advised that the customer compares the health insurance quotes of different companies. When choosing, the customer has to check it up and make sure that the policy does not come with an indemnity style policy of has calendar year limits. The cheapest policy is too expensive if it leaves you exposed. The difference is that a whole life insurance policy builds equity and a term life insurance policy is mainly used to take care of debts for your family and for your self if you perish prematurely. Make sure that your medical care policy is doing the business you set it out to do. All you need to do is compare coverage and pick which policy is the best for you.

Just over 50% of all Arizona families who have medical insurance report that the high cost of their monthly premium makes keeping their coverage a severe financial burden, and just over 16% of all Arizona residents report that they can no longer afford any medical coverage at all. And the problem is getting worse with each passing year. The good news is, there is a new type of "policy" available that just may be the prescription that many - including you - are looking for.

Before we talk about this new type of cheap insurance it's essential that we mention how important it is to do whatever you can to keep yourself healthy. This includes such things as not smoking or using chew, not eating at fast food restaurants, and getting some exercise every week. I know you've heard all of those things before, but maybe it's time for you to take them just as seriously as you take finding affordable health coverage.

The new type of medical coverage, which is proving to be extremely affordable for many people, especially people who are generally healthy, is called a Health Savings Account, or HSA. This is a special savings account that you can put tax-free dollars into. The catch is, you can only use those cheap tax-free dollars to pay for medical expenses during the year.

Because you do not pay taxes on the money you spend for your health needs, it is equivalent to saving at least 25% on the cost of your care. This is one reason why eating right, getting some exercise, quitting smoking and staying away from fast food restaurants is so important - the less you see your doctor the more you save.

As part of your Health Savings Account you will be required to purchase a cheap super-high-deductible health insurance policy. This policy will have a deductible of well over $1,000, which means that it won't pay anything toward any of your normal doctor's visits or pay for any of your prescriptions during a normal year.

The purpose of the cheap high deductible policy is to protect your savings account and even your home from the possibility that you will be hit with a catastrophic illness or accident which will end up costing you tens of thousands or even hundreds of thousands of dollars in medical bills.

Another way for you to save a boatload of money is to buy your health insurance online. The savings you will find online can be truly staggering.

If you really want to find the cheapest online medical coverage possible then compare prices on more than one website - then all you need to do is to pick the cheapest price you find and you can be certain that you are getting the most savings possible on your health insurance each and every month.

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.

Everyone in Alabama, it seems, is desperate for cheap medical insurance. And it's no wonder. Of the people who have coverage just over 50% report that the cost of their monthly premium is a severe drain on their budget. And even worse, approximately 16% of all Alabama residents can't afford any health insurance coverage at all. There is some good news, however. There are several ways that YOU can get your health policy at a cheaper rate than you are probably paying for it today.

Let's start with one of the most important ways that you can save money on your coverage - and that's to buy it online. There is no doubt whatsoever that for the vast majority of people who are looking to purchase a health policy their best bet - by far - is to buy their insurance online.

Even if you buy online there are still ways for you to save even MORE.

Don't smoke and don't use chew or any other tobacco product. You've heard that before, of course, but continuing to smoke or to use chew will cost you a LOT of money in higher premium costs. Is it really worth it to you?

There is a rather new form of cheap health coverage that may be of interest to you. It's called a Health Savings Account, or HSA. This is a unique savings account that you fund with cheap tax-free dollars. The money in your HSA account can only be used to pay for medical expenses.

As part of your HSA account you will be required to buy a cheap super-high-deductible medical insurance policy. The deductible on this policy will be so high that the policy will pay absolutely nothing toward your health care in a normal year.

The purpose of this insurance is to act as a safety net should you suffer some type of catastrophic illness or extremely serious accident that might otherwise deplete your life savings or even force you to sell your home or to declare bankruptcy.

But remember, no matter what kind of health plan is right for you the cheapest place you're going to find it is online.

The high cost of medical insurance here in Arizona is driving thousands of individuals and families to scramble frantically for cheap high risk medical insurance. If you are among those frantically searching for it that you can afford there is some good news. There are there specific actions you can take to reduce the cost of your traditional medical insurance, often by 25% or even more!

Let's start with some simple steps you can take. Paying your premium automatically from your savings or checking account every month saves the insurance company the cost of sending you a bill and they are happy to pass a good portion of that savings on to you.

You can also save a lot (and feel better) if you eat right and get some exercise. If you're really serious about saving money on it then get serious about dropping fast food restaurants and getting some exercise. You know that eating high calorie, high fat hamburgers and French fries isn't good for you. You know that they contribute to weight problems, high blood pressure, diabetes and a whole host of other ills. So stop eating at places like that. The healthier you are the less you're going to need medical care and the less you are going to pay for your health insurance.

And get a little exercise. Just walking around the block a few times each week, or riding a bike to do a few errands, or joining a group that walks around the mall in the mornings... ANYTHING that will get you on your feet and moving will be a help.

If you don't see your doctor often why not increase your co-payment from 25% to 50%? Doing that will save you quite a bit on the cost of your health insurance premium.

Similarly, if you can afford to increase your yearly deductible you can save a lot on the monthly cost of your health insurance.

And one of the surest ways of saving money and finding the cheapest health insurance is to buy your insurance online. It's true. Online sellers have a huge advantage over their brick and mortar cousins because they have almost no overhead and so they are able to pass tremendous savings on to you. In fact, you can sometimes save as much as 25% simply by buying it online.

If you are looking for cheap medical insurance companies here in Alabama there's really only one place for you to look, and that's online. Online sellers of insurance have almost no overhead and so they can pass truly remarkable savings along to you. The super good news is that there are simple ways for you to save even MORE!

One thing you can do is to pay your monthly premium automatically each month out of your savings or checking account. If your insurance company doesn't have to send you a costly bill every month they can afford to reduce the cost of your medical insurance.

If you don't see your doctor often then it can really pay for you to increase your co-payment from 25% to 50%.

Likewise, you can save money on your medical insurance instantly if you increase your deductible. Just be careful that you don't increase your deductible past the point at which you can afford to pay it.

And speaking of high deductibles, one of the newest forms of cheap medical insurance is called a Health Savings Account, or an HSA. This is a special savings account that you fill with cheap tax-free dollars. You use those tax-free dollars to pay for all of your medical costs.

You also use those tax-free dollars to pay for a cheap super-high-deductible medical insurance policy. This cheap policy will have a deductible so high that in a typical year it won't pay even a penny toward any of your medical bills - that's what you use the tax-free savings account for.

Where these policies come in handy is if you should suffer a catastrophic illness or accident that runs up medical bills into the tens of thousands or even hundreds of thousands of dollars - something that can happen in the blink of an eye.

Without one of these cheap medical policies you would be forced to wipe out your life savings, you might have to sell your home and you might even be driven into bankruptcy.

So check out all of your alternatives - but when it comes time to buy your medical insurance you really NEED to buy it online. You'll save even more money when you buy your insurance online if you take the time to review prices from a number of medical insurance price comparison websites and not rely on the results from just one site.

So happy hunting - and remember, if you take the time to look carefully online you really and truly CAN fine health insurance at prices you probably never dreamed possible.

If you want to find affordable high risk medical insurance here in Alabama you really only have one choice: you need to look online. Online health insurance sellers have almost no overhead and so they are able to pass that rather substantial savings directly to you. However, if you really want to save as much money as possible there are a few simple things you can do that will save you even MORE.

One of the simplest things you can do is to pay your monthly premium automatically each month out of your savings or checking account. This saves the insurance company the cost of sending you an expensive bill every month - and so they pass along the savings along to you.

Don't participate in dangerous or extreme sports or hobbies. If you are going to go out of your way to put your health at risk you certainly can't expect an insurance company to offer you cheap health insurance.

Likewise, if you smoke or use chew you can't think in your wildest dreams that you are ever going to get affordable health insurance. If you want affordable health insurance one cost you are going to have to pay is to quit smoking or using chew.

For many people the most affordable high risk medical insurance is one of the relatively new Health Savings Accounts - also known as an HSA account. These are special savings accounts which you fund with cheap tax-free dollars. You can only use these accounts to pay for medical expenses.

Any tax-free money left in your account at the end of the year can be rolled over into the next year, allowing you to potentially build up a rather nice tax-free nest egg over time.

These accounts come with a very low-cost and super-high-deductible health insurance policy. These policies have such a high deductible that they almost never pay for any of your medical needs in a normal year - that's what the tax-free savings account is for. What these low-cost policies do is they protect your life savings and they protect you from the possibility of being forced to sell your home in the event that you suffer some sort of cataclysmic event, such as a serious illness or a catastrophic accident that runs up medical bills in the tens of thousands or even hundreds of thousands of dollars overnight.

But whether you decide on an HSA account or you decide to go with a more traditional health insurance policy, one thing remains constant - you are going to get the very lowest rates if you buy your health insurance online.

Don't rely on the results you get from just one of the many health insurance price comparison websites out there. Each site only shows you the prices from a small handful of insurance companies. If you want to see the widest range of available prices open to you then you'll have to run your price comparisons on at least 3 different sites.

As soon as you've done that, however, then your job is virtually done. All that's left is for you to choose the most affordable high risk medical insurance you've found - and know that you are now saving as much money every single month as you possibly can!

For most people medical insurance here in Alabama seems extremely expensive. In fact, medical insurance is now so expensive that fully 16% of all Alabama residents can't afford any medical coverage at all. The good news is there are several simple things you can do that will make YOUR cost of health insurance much more affordable.

One thing you can do is to pay your monthly premium automatically from your checking or savings account. If your insurance company doesn't have to send you an expensive bill every month they are going to pass that savings along to you.

Don't smoke or use chew - or any other tobacco product for that matter. It should come as no surprise this late in the game that if you smoke or use chew you'll never qualify for the cheapest high risk medical insurance available. If you're serious about saving money on your medical insurance then you're going to have to be equally as serious when it comes to quitting all tobacco products.

If you don't see a doctor on a regular basis then it will probably pay off handsomely for you if you increase your co-payment from 25% to 50%.

Increasing your deductible to the highest level you can afford to pay each year will also decrease your monthly cost of health insurance. Obviously care must be taken that you don't agree to pay a higher deductible than you can actually afford.

If you're after the absolutely cheapest high risk health insurance you may want to consider a Health Savings Account, or HSA. This is a special savings account that you can only use to pay for your medical expenses using non-taxed dollars, which saves you at least 25% off the cost of your medical care.

These accounts come with a very low-cost super-high-deductible health insurance policy. These policies have deductibles of at least $1,200 to $2,400 so these policies are not going to pay for any of your health care needs during a typical year. These policies are only used if you should suffer some sort of catastrophic accident or major illness that costs you tens or even hundreds of thousands of dollars in medical bills. Then your low-cost high-deductible policy will save your life savings and even save you from being forced to sell your home.

You can also save a lot of money on your health insurance if you buy it online. Online health insurance sellers have virtually no overhead and so they are able to pass tremendous savings along to you.
In order to get the very best price possible online you'll need to see as many comparison health insurance prices as possible from as many different insurance companies as possible. The way you do that is you must make your price comparisons on several different sites and not rely on the results from just one site.

But do check out the prices online because that is where you are always going to find your best deals.