In many states, you can be fined for not having health insurance. That’s not a situation you want to be in if you’re having economic struggles, which might be why you don’t have health insurance in the first place.
Thus, many people go looking for the cheapest health insurance plan just to avoid being fined. Even if we cannot object to someone doing this because they don’t have much money available, it can end up being worse. We’ve all heard horror stories about people being involved in a small car crash or getting the flu and ending up paying thousands of dollars.
Thus, the fact that you’re looking for an affordable option doesn’t mean you shouldn’t look for the best cheap health insurance. You should not make an uninformed decision with your medical insurance. That’s why we’re here to help.
Why look in Fast Health Quotes?
You could try to look for affordable help insurance on your own. However, imagine you’re new in town and decide you need to buy some oranges. You can spend hours looking for oranges and still not be sure about which are the best and the cheapest. That’s why you need a health insurance platform like Fast Health Quotes to find the best cheap health insurance.
Next time you’re wondering, don’t hesitate to contact us. We can quickly allow you to find a tailored solution, and if you want to go further, one of our specialized agents can help you.
What are your healthcare needs?
Look at your past, and future healthcare needs to see what you should do. This will help you understand better the kind of coverage you need. Do you intend to have a baby soon? Do you have preexisting conditions that may need special attention? These are just a couple of examples of what may help you make the best decision based on your budget.
Low premium and high deductible, or high premium and low deductible?
While a low premium with a high deductible may seem tempting if you are a bit short on money, you may want to rethink this. A higher monthly cot means you’re reaching your deductible faster and will pay less out of pocket anytime you need to go to the hospital. Further, if we are talking about a family plan, chances that you will actually be using the insurance increase; thus, it’s better to go with a higher premium.
If you’re low-income, you can qualify for Medicaid or CHIIP. These are government programs aimed at offering affordable insurance possibilities to those who cannot afford coverage. In fact, depending on how your yearly income goes with the federal poverty line, you may qualify for Obamacare relief on your monthly premium (premium tax credits). You may also be eligible for cost-sharing reduction payments (CSR), which are credits aimed at reducing your out of pocket expenses, such as deductibles.
You can request a quote for the best cheap health insurance plans at Fast Health Quotes by calling 844-325-2023.
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