Everyone knows that health insurance costs are at a record level. With the cost of medical care also skyrocketing, people, especially those who are self-employed, are desperately looking for ways to save money on their health insurance.
This can be a difficult task since most insurance companies are far from enthusiastic about providing coverage to self-employed workers.
Your first step would be to turn around. Get in touch with an agent who deals with many companies instead of contracting directly with the companies. This will save you not only time but also money since you will not be paid to an agent unless you find the insurance that suits you and you accept to take it.
Tell the agent exactly what you are looking for and how much you want to spend on bonds, deductibles, etc.
Remember, be specific! If you want to make sure you get what you want, you must provide as many details as possible.
Once you have some offers on hand, read the fine print. This is the number one mistake made by people seeking health insurance.
Of course, the police look very good on the surface, but once you get stuck, you find that it is full of additional restrictions and fees. Insurance companies are in business to make money, not to spend it. If it sounds too good to be true, it probably is.
Finally, do not accept any policy until you have reviewed all the offers that were made.
In most cases, a higher premium policy is ultimately better because it offers smaller franchises and fewer restrictions. You could end up paying less for a policy, but also getting much less in return.
If the police do not help you, it does not matter how big the premiums are.