Having a good credit score is helpful in getting the best insurance prices. The worse your credit score is, the more your premium will be. You may even be refused coverage. Try to clean up your credit rating before you go out looking for new health insurance.
Think about buying health insurance as part of a group. Group insurance normally costs less than health plans for individuals. If you currently are employed, your employer should be able to provide group rates to all employees. Another option is checking into AARP, alumni associations, trade groups or any other group you may be affiliated with to see if they may offer some group health insurance plan. Starting a personal Health Savings Account or HSA is a good idea if you are among the lucky few that rarely goes to a doctor’s office. Just think, the money you are not paying in higher insurance costs can be set aside for any future medical expenses.
To avoid bloated payments and to get more from your own health insurance policy, know about your plan well. This means that you know the providers that are covered, the services that are covered, and also the services that are only partially covered, or not covered at all.