The search for affordable health insurance should be focused on finding an insurance provider that helps us put the emphasis on becoming as healthy as possible, while reducing our risk of accidents. Let's face it, if we reduce the insurer's calculations of what we are likely to cost them, they can afford to charge us a lower premium.
If we are looking for affordable health insurance for our employees, some agencies are now offering programs to help employees to get fit, lose weight, quit smoking, etc. -- all contributing to lower premiums for your business.
Many individuals and businesses are forced into trade-offs of less coverage and higher deductibles because they are unwilling to work on the one controllable way to get a great policy for an affordable price: Reduce your health and accident risks!
Unless you love dangerous hobbies, like skydiving, most insurers would be only too happy to cut your premium to the bone if you assure them you are doing all you can to reduce your risk of major illnesses.
Smart dietary habits, keeping your weight where it should be, not smoking, getting regular exercise, and generally pursuing a healthy lifestyle are all habits that a wise insurance provider should be able to reward by giving you affordable health insurance coverage.
Insurance Is A Business Like Any Other
Insurance providers want to earn a reasonable profit on their services -- No surprise there! To do this, they need to feel confident that what they will need to pay out in claims will be less than what they will be taking in as premiums. If you, your family, or your business is statistically likely to make more claims than average, then they must ask you to pay higher premiums to cover predicted future payouts.
If, on the other hand, you/your family/your business is working hard to maintain good health and physical safety, then it is possible to negotiate a much more affordable policy premium than a less-healthy person or business must pay.
One Final Area of Savings
After you have done all you can to achieve great health and reduced any risks for injuries, accidents and illnesses may still happen. An insurance agent, who is up to speed on the most effective treatment options with an eye toward minimizing medical expenses, can be a big help in assisting you to manage your care and thus, keep insurance premiums as low as possible.
We can't know everything about managing both our health and insurance risk profile, as well as knowing the most cost-effective treatment options in case of the unexpected hospital stay. Choosing an experienced insurance and claim management provider is critical for those who want affordable health insurance.
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