Safe Link Converter
Encrypting your link and protect the link from viruses, malware, thief, etc!
Made your link safe to visit.
Made your link safe to visit.
How to use our tool:
- Click on How To Use menu above.
- Click on the code and CTRL + C on your keyboard.
- Paste the code in your HTML blog theme before the </body>.
- Save your HTML blog theme. you are done!
- Now, your blog's outbound links was encrypted!
Is finding cheap health insurance as improbable as encountering a unicorn in possession of the Holy Grail? It doesn't have to be. Here are seven steps you can take to lower your costs.
1. Understand your alternatives to buying individual health insurance
The cheapest purchase you'll ever make is the one you don't make. It's entirely possible that you don't have to buy individual health insurance at all. Depending on which state you live in and what your income is, you might qualify for Medicaid. You can contact your nearest Medicaid office, or go to Healthcare.gov to determine if you're eligible (see step three below for the latter route).
If you have children, there are a couple of avenues to explore. First, many states have expanded coverage for children through the Children's Health Insurance Program (CHIP). To find out if your kids qualify for CHIP, go to the Medicaid CHIP website and answer the questions under "Can I Get It?".
Second, check to see if your children might be eligible under their other parent's coverage. Even if you're divorced, if your former spouse has employer-provided health insurance, your children could possibly be included under their coverage.
A form that says health insurance under a pen, a calculator, and a pair of glasses.
2. Know what you need and can afford
Assuming that step one doesn't apply to you, the most important step in finding cheap health insurance is to determine exactly what you need in terms of coverage and what you can afford. If you buy more coverage than you need, you'll spend more than you need to. And as to knowing what you can afford, you can't spend money that you don't have.
Under the Affordable Care Act, every individual health insurance plan must cover 10 essential health benefits. These benefits are:
Outpatient care (doesn't require admission to a hospital)
Emergency room visits
Inpatient care in a hospital
Care before and after your baby is born
Mental health and substance use disorder services
Prescription drugs
Services/devices to help you recover from an injury or deal with a disability or chronic condition (including physical and occupational therapy)
Lab tests
Preventive services
Dental care and vision care for kids
While that might seem like a pretty comprehensive list, different health insurers can vary on exactly how they cover these benefits. Think through any specific needs you might have.
3. Go to Healthcare.govPerhaps the easiest step of all is to go to the Healthcare.gov website and complete an application. It's easy, that is, if you're doing so during an open enrollment period (the next one starts on Nov. 1) or if you have a qualifying life change. These life changes include getting married, having a baby, or losing other coverage. The website, by the way, will help you find out if you have had a life change that qualifies.