Cheap High Risk Health Insurance Online in Alabama By Alexis Jensen At Isnare.com Ezine Articles

It's hard to find even one person in Alabama who would not like to find cheap high risk health insurance. Right now, today, a full 16% of all Alabama residents find health insurance to be so expensive that they can't afford coverage at all. Luckily there are a few things YOU can do that will make the cost of your health insurance more affordable.

Let's start with something easy, such as setting up an automatic payment plan for your monthly premium. If your insurance company doesn't have to send you a costly bill every month they will pass the savings on to you.

Don't smoke and don't use chew or any other tobacco product. You've heard it all of your life: don't smoke. Now here's a good reason to stop smoking that will save you a LOT of money every single month.

Get some exercise and stop eating so much fast food. You know that fast foods aren't good for you. They traditionally have way too much fat, too much cholesterol, and way too much salt, among other things. If you cut out all fried foods, most fast foods of any kind and if you can get just a bit of exercise, such as walking around the block a few times each week or biking for a few of your errands, you'll not only look and feel better but you'll save money on your health care and, ultimately, on your health insurance as well.

If you can afford to increase your co-payment from 25% to 50% you can save a small fortune on your health care costs. Likewise if you can afford to increase your deductible you can save a lot on your health insurance.

There is something a bit new and radical that you may want to look into if you're generally healthy and you want to save a lot on your health insurance. It's called a Health Savings Account, or an HSA. An HSA is a special tax-sheltered savings account that you fund with tax-free dollars. Any health costs that you have during the year you will pay for using tax-free dollars and any money remaining in the account at the end of the year will be rolled over into the next year, allowing you to build up a tax-free nest egg over time.

You will be required to purchase a very low-cost super-high-deductible health insurance policy. This policy will have a deductible of at least $1,200 if you are purchasing an individual policy or at least $2,400 if you are buying a family policy.

These policies have a deductible so high that in a normal year they won't pay anything toward any of your medical bills (that's what your tax-free savings account is for). So what's their purpose?

These cheap high deductible policies are a safety net in case you should suffer some type of catastrophic accident or illness that would otherwise wipe out your savings account and possibly even force you into selling your home.

But whether you decide on traditional health insurance or you are interested in one of the tax-free HSA accounts your best bet - by far - for finding the cheapest insurance in Alabama is to look for it online. Online insurance sellers have almost no overhead and they are able to pass their significant savings along to you.

Don't make the mistake of just accepting the prices that you find on only one of the websites designed to let you compare prices on health insurance. Instead look at the prices from at least 3 different sites and then take the very best price you've found with the knowledge that you have really and truly found the cheapest medical insurance in the entire state of Alabama.

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