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Health insurance may be a luxury you think you can’t afford, but it's really a necessity you should include in your budget. Here's how you can get the best rate on Minnesota health insurance. You Need Health Insurance Health insurance protects both your health and your pocketbook. If you're among the 7.4% of Minnesotans who don’t have health insurance, that means you're less likely to get regular check-ups and fill needed prescriptions. If you have an accident or major illness, you may even have to file bankruptcy - 80% of bankruptcies stem from unpaid, overwhelming medical bills. Keep Your Rate Low Health insurance is expensive, but there are choices you can make to keep your costs down: * Get only the coverage you need. If you're young and healthy, you may just want a policy that covers major medical expenses or emergencies, rather than a comprehensive policy. * Consider an HMO or PPO. While these plans limit you to choosing a medical professional from a network list, your premiums will be much lower than traditional fee-for-service insurance premiums. * Set your deductible and co-payments as high as you can afford. With high deductibles and co-payments, you'll have higher out-of-pocket expenses, but your premiums will be lower. Finding the Health Insurance Company with the Best Rate One of the best ways to reduce your health insurance premium is to shop around for the company with the best rate. Health insurance premiums vary widely from company to company. If you just walk into the insurance office down the street and buy a policy, you'll likely not get the best rate. Instead, go to an insurance comparison website. On such a website, you complete a form with information about yourself and your health insurance needs. The website then matches you to A-rated health insurance companies, which give you quotes to review. The best websites let you talk with insurance professionals so you can ask questions and make sure you get the best rate possible for your health insurance (see link below). Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get cheap Minnesota health insurance quotes online and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding cheap Minnesota health insurance quotes online.
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