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Finance > Insurance > Health InsuranceHow To Save Money And Get Discount Health Insurance In Alabama
Posted by nick_niesen in Finance on October 29th Colin Miller Jersey , 2010


Health insurance is a big problem for most Americans, as you are probably aware. Even Alabamans who have group health insurance admit that for at least half of them their monthly premium is a severe strain on the family finances, and fully 16% of all residents of Alabama don't have any health insurance at all due Deryk Engelland Jersey , primarily, to cost.


Obviously almost everyone here in Alabama is looking for ways to save money and get discount health insurance, and fortunately there are several things you can do Marc-Andre Fleury Jersey , small changes you can make, that will help make health insurance more affordable.


Let's start with kids. If you have children who are 18 or under and you can't find a health care plan that will accept them or which you can afford there may be a solution. The state of Alabama has a program called AL-Kids which provides health care to young children at low or no-cost. In addition to AL-Kids, Alabama has several other insurance programs that cover college students James Neal Jersey , pregnant women and more.


For those people who do not qualify for any of the state-sponsored programs there are still several things you can do to lower your cost of health insurance.


Obviously group health insurance is less costly than individual health insurance. If your workplace does not offer group health insurance you still may have other alternatives. Check with any groups, clubs or organizations that you belong to - even church groups sometimes offer group health insurance. Talk to your friends about any groups, organizations or clubs they belong to which might offer group health insurance - there are a lot more of them around than you are probably aware of.


If you have a home-based business check with a health insurance agent to see if you could qualify for group health insurance. Sometimes it is possible even if your only employee is your spouse.


Don't smoke or use any tobacco products. Smokers (and people who use chew) pay a lot more for health insurance than do non-tobacco users.


If you are overweight you are also going to pay more for your health insurance. The good news is Throwback Vegas Golden Knights Jerseys , even if you can lose just a little weight you can sometimes drop down a rung on the insurance company's weight chart and if that happens you could save hundreds of dollars each year on your insurance costs.


Don't participate in dangerous or extreme sports or hobbies, and don't drive a sporty, fast car.