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Getting health insurance quotes is a lot easier than it used to be. It used to take hours to get quotes. Now it only takes a few minutes. Here's how to get low cost health insurance quotes from top companies the easy way. Comparison Shop Remember the good ol' days when getting rate quotes from insurance companies was like pulling teeth. You had to go from agency to agency or call individual agencies, submit an application to each agency, then try to decipher your quote while avoiding the inevitable sales pitch. My how things have changed. Now all you have to do to get low cost health quotes is go to an insurance comparison website. The advantages of these sites are: * You only have to submit one simple application to get quotes from a number of A-rated companies. No more visiting of calling agencies and filling out a ton of applications. * You can compare your quotes in the comfort of your own home without having to listen to a sales pitch. * Most comparison websites deal only with A-rated companies so you know you'll be getting a good policy with a reliable company. * The best comparison sites have an independent insurance expert on call so you can ask questions and get unbiased answers, plus get advice on how to save money on your policy. (See link below.) Raise Your Deductible The deductible is the amount you pay toward a claim before your insurance company pays. Raising your deductible can save you hundreds of dollars a year on your premium. Purchase a Managed Health Care Plan Managed health care plans like HMOs, PPOs, and POSs can save you a lot of money over traditional fee-for-service (indemnity) plans. With these plans you are assigned to a group of doctors and hospitals who provide your health care. These plans pay for your doctor bills, hospital bills, and prescriptions drugs. Buy a Major Medical Plan If you're relatively young and in good health you may want to consider buying a major medical health care plan. These plans limit your coverage to medical expenses related to major illnesses like heart disease and cancer, and are cheaper than managed health care plans. Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get low cost health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get low cost health insurance quotes.
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