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Save Money on Individual Health Insurance

Know what you need.There are two big policy types: HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). The first one is cheaper but you can’t choose your doctor and you have little flexibility. PPO on the other hand costs you more but it covers a wider range of hospital and doctors. If you are young, you should go with a HMO policy as it is unlikely that you will need special treatment.

Beware of costly and useless perks. Many agents will try to sell you a policy with one or two extra features. Some of these perks can be useful, but they are not very important and some are very costly. Keep your policy simple and cheap!

Higher premiums mean lower co-payments. If you are in good health, you may want to consider purchasing a policy with low premiums, as your yearly medical expenses will not be too high. If however, you are having health problems, you should go for a bigger coverage instead and increase your premiums.

Pay attention to hidden costs! Some policies may have extra features that can take a lot of money from your pocket! Make sure you read the contract carefully and understand it completely before signing it!