Affordable California Health Insurance Rate -- Tips For Cutting Down Costs

Contrary to what you might have thought, it is a lot easy to get a lower California medical insurance rate. The two things that stand between you and attracting a better rate now are the right information and a commitment to make use of the recommendations you get. Let us now look at several sure-fire ways to get better rates...

1. Healthy living will get you lower rates. The quality of your diet will sooner or later affect your rate. Cutting off fats, cholesterol and high carb from your diet will make it easier for you to maintain the ideal weight, live a healthier life and, as a consequence, attract more affordable rates.

Beside your diet, your devotion to routine exercise will help you live better and likewise get you lower rates.

2. If in your case it's difficult to find a willing regular health insurance carrier because of an unfavorable medical history you can make use of COBRA insurance. By the way COBRA is the acronym for Consolidated Omnibus Budget Reconciliation Act of 1985.

3. Some individuals are not poor enough to qualify for plans for low-income earner and as well have financial constraints that make regular health insurance hard to pay fo. If you are among such individuals, you will benefit greatly if you get a discount medical card.

With these cards you get medical attention from a network of doctors who have agreed to provide their services to card carriers at lower rates. They are not usually provided by any California medical insurance company.

You can use this option if you have a pre-existing condition that has made California medical insurance providers either declare you uninsurable or give you a rate that is very expensive. One advantage of a discount medical card is that everybody can use it. All you have to do is pay a cheap monthly fee and you'll benefit from the services of a network of health care providers at a lower rate.

4. Your premiums might be tax-deductible if you're self employed. You might also be entitled to a tax break if your employer offers a flexible spending account. To confirm this in your case discuss with your tax professional. This will help you confirm what will entitle you to a tax break and what won't.

5. Don't become carried away by the cheapest price as you shop for low cost California medical insurance. You want a low quote that also offers the right value. And, shopping right is vital to getting the best rate to value ratio. But be prepared to pay a little more if required to get the right coverage for you.

There are many cases where very cheap rates also offer great value but sometimes they could compromise you. A California medical insurance package that gives inadequate coverage isn't a good deal even if it's five times less than the quote that gives you the right coverage.
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