| Most people believe that they are stuck with the high | | | | restaurants. Hamburgers and fries are not only |
| cost of their current health insurance and that there | | | | terrible for your health, but they add tremendously |
| is nothing they can do to change the amount they | | | | to your weight problems - and that, in turn, adds to |
| pay every month. Fortunately that isn't necessarily | | | | the cost of your health care every year. |
| true - although in order to get your health insurance | | | | For many people who are still having a problem with |
| at a cheaper rate it may be necessary for you to | | | | the cost of health insurance there is a relatively new |
| entertain some new ideas. But let's start with some | | | | form of insurance known as a Health Savings |
| of the easier ways that you can reduce the cost of | | | | Account. An HSA is a special tax-free savings |
| your health insurance by the end of this month. | | | | account. The idea is that you use cheap tax-free |
| If you are locked into a group health plan where you | | | | dollars to pay for all of your health needs during the |
| work your options may be limited - but that doesn't | | | | year. Because the money in your HSA account is not |
| mean you don't have options. In there is a relatively | | | | taxed, you save approximately 25% on the cost of |
| new concept in health insurance called a Health | | | | your health care. |
| Savings Account - or HSA - which may be able to | | | | Each HSA account also comes with a cheap |
| dramatically lower the cost of your health care even | | | | high-deductible health insurance policy. These policies |
| if you are currently stuck in a high cost plan where | | | | are super high deductible - over $2,200 for an |
| you work. | | | | individual and more than $4,400 for a family policy - |
| But before we talk about HSA plans it's important for | | | | so they do not pay for any of your health needs |
| you to understand that no matter what type of | | | | during a normal year - that's what your tax-free |
| health plan you have you will always save money if | | | | account is for. |
| you stop smoking, lose weight, eat healthier and | | | | The purpose of the low-cost insurance policy is to |
| exercise. | | | | protect your savings and even your home from the |
| I'm not going to beat you over the head about | | | | potentially devastating effects of a catastrophic |
| smoking and using chew. Enough people have done | | | | accident or illness that ends up costing tens of |
| that to you already. Just understand that there is no | | | | thousands or even hundreds of thousands of dollars. |
| way in the world that you will ever get the cheapest | | | | But regardless of the type of health insurance you |
| health insurance available if you smoke or use chew. | | | | settle on, one thing never changes - you will always |
| Period. | | | | get the cheapest price - by far - when you buy your |
| Losing weight can be harder than stopping smoking, | | | | policy online. Online insurance sellers have almost no |
| so rather than concentrating on your weight let's | | | | overhead and there is a lot of competition among |
| concentrate instead on some of your food choices. | | | | them. This results in them offering health insurance at |
| Almost everyone in the U.S. needs to cut back on | | | | wholesale rates. |
| the number of times they eat at fast food | | | | |