Of course, we all want cheaper rates don’t we? That’s why we have to exert extra effort to find all means to decrease the cost of our health insurance plans. Below is a list of suggestions that will surely help you save a lot from your insurance. Take note of the following and make sure you take advantage every opportunity in which you can get discounts.

1. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good choice for cheap coverage if you have a pre-existing illness that makes regular individual health insurance difficult or too expensive.

2. Certain states offer home business owners an opportunity to lower their rate. Those states demand that insurance companies offer home based businesses similar rates with other (larger) businesses. To know if you are eligible or even if your state has such offer, call your state’s department of insurance, department of financial services or their equivalent.

3. Phone med services will help you lower your rates. A phone med service is on twenty four hours daily and provides free medical advice. You can trust the advice you get because they are manned by qualified professionals (usually a minimum of a registered nurse with at least ten years experience). Your local clinic is as well another place you can get free medical advice by phone.

4. No-appointment ambulatory care centers or emergi-centers will as well help you bring down your rates. This is particularly so if you’re generally healthy and find it tough to pay for traditional health insurance. They are cheaper than using an emergency room in a hospital.

5. Even though you are warned against self-medication, there are situations where you shouldn’t visit a doctor. Take, for instance, a viral infection like flu. A visit to your doctor will really make no difference in your health if you know what to do. Your doctor will likely do things you should have done on your own at home in a situation like that.

Just know what you should handle on your own and avoid what you shouldn’t. If you do this right you will pay less for health insurance and still not put yourself at any risk.

6. Using free clinics will help you lower your expenditure. These will either bring down your co-payments or premium entirely. These are free ways for you to receive professional medical help and have regular check up. Some communities provide such clinics and some may just be part of a group’s community service.