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With the right advice you’ll get more affordable rates for adequate coverage. It’s as well important that I stress that there are recommendations that might put you at risk even if they save you for now. I will, however, only make suggestions that will save you much while you still maintain the right coverage…

1. For individuals who are self employed, your premiums might be tax-deductible. And you can as well get a tax break if you open a flexible spending account. This implies that you’ll do well to talk with your tax professional. This will help you determine what will entitle you to a tax break and what won’t.

2. Being on the same policy will save you a lot once you’re married. But before you take this step make sure you consider your options to see whether this will result in more savings.

However, this might not be the best for you depending on your different health conditions as individuals.  

3. If you’re rarely ever sick you will save a lot by buying catastrophic health insurance instead. You get coverage for those ailments or medical needs that may arise suddenly.

The greatest benefit of this policy is in cases where sudden ailments or accidents result in huge bills that could at best be called catastrophic. They are sold at very inexpensive rates.

What are generally high are the deductibles which can be as much as $2,000. But considering that you are getting coverage from accidents or diseases that could cost tens of thousands of dollars such deductibles are not really that high — Relatively.

4…Raising your deductible will bring down your cost. This is the amount you will pay before your insurer is obligated to fulfill the policy terms. So make it as high as possible but within easy reach.

5. There are medication that are big brand names. You’ll increase your costs if you use big brand name drugs. But did you know that every generic drug has the same active ingredients as its more established contemporary? The inactive ingredients are the only differences between generic drugs and brand names.

Therefore, by using brand names you really aren’t enjoying added value in spite of the fact that you are paying a lot more. However, consult your doctor before taking this decision.

Learn more here… 

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