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Food prices are up, gas prices are soaring and each time you turn on the television more news of jobs being lost and houses being foreclosed. People are feeling stressed by what is surrounding them and they too are trying to keep expenses down and manage their incomes. Some are even getting second jobs just to make ends meet. There are of course many different ways to make ends meet but by far one of the most dangerous that some people try is by cutting back on their health insurance. This is not a wise move and is one that could wind up being financially devastating if you aren't careful but there are some ways to go about making your health insurance cost you less without sacrificing benefits. Have you explored all your possibilities? This may be something you aren't aware of. If you pay your own health care insurance and you have a low income you may be eligible for assistance for health care for your children. In some instances, low income individuals are eligible for lower cost or free health care for dependent children. Call local Medicaid office to see if you are eligible for some relief regarding health care insurance. If it's just you and your wife and each of you are employed, then consider having each of you having your own insurance. Most employers will subsidize an amount towards the health insurance premium because they want their employees to say healthy, however, if you want a spouse or children will have to incur the full cost for them. While it may be more convenient for both of you to be on the same plan with the same carrier you may be paying more for that convenience. During open enrollment or when reviewing policies on your own, consider a policy with a higher deductible which will reduce the premium you will pay. Another option that may save you cost is to consider a HMO policy which can significantly reduce not only the premium cost but your out of pocket expenses. These two changes could just give you a health care insurance policy that you will feel comfortable in paying. The objective is to try and get a premium that you are comfortable with and giving you and your family a peace of mind knowing that should an illness or accident happen, you have coverage. Don't lessen on the Health insurance that your kids should have. Get info on Affordable health insurance by checking the net for info.
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