Have you ever wondered if there are lower cost health insurance options for healthy people? Well, there is. We will tell you the secrets to saving money on your health insurance based on your health. Not everyone needs health insurance for pre-existing conditions, so why pay for it?
Before going too far into the details of how you can get cheaper health insurance, it’s important to note that this might not be the best fit for everyone. If you do have pre-existing health conditions, some plans will provide better coverage for you than others. Lower cost health insurance options are designed for healthy individuals and families who don’t go to the doctor very often. Pay less per month for your health insurance premium based on your health, regardless of your income level.
Isn’t The ACA Supposed To Be Affordable?
The Affordable Care Act (Obamacare) was supposed to make health insurance more affordable. The ACA succeeded at making it more affordable for some people, but more expensive for others. The prices of the Obamacare health plans are based on your income, not on your health. Regardless of how healthy or unhealthy you are, the price you pay depends on your taxable income. This has been great for people with serious pre-existing conditions and households with lower income. However, it has made it harder for healthy people to get affordable health insurance coverage.
Health Insurance Options for Healthy People
Lower priced medical plans that are designed for healthy people, are underwritten. What that means, is that approval for the policy isn’t guaranteed. You must be healthy enough to pass the underwriting process before the policy is issued. Luckily, this is usually a very simple process. A lot of these lower priced underwritten health insurance policies can be issued immediately with coverage starting the next day. Most of them have some health related questions during the application process and that’s it, not physical exam required. And most of the time the application process can be quickly completed over the phone or online.
Can Every Health Person Get Lower Priced Health Insurance?
Health insurance is governed by the state you live in. As long as you live in a state that allows it’s residents to purchase policies based on health, then you are in luck. The next step is to shop for more affordable health insurance options. You can start shopping online for plans in your area or call a representative for help finding the best deal. Our enrollment partners never charge a fee for their services and we don’t sell your information. Shopping for more affordable health insurance based on your health is safe, quick, and painless.