Affordable High Risk Medical Insurance

Finding affordable high-risk medical insurance is almost as difficult these days as finding a needle in a proverbial haystack. However, whether you are looking for affordable traditional medical insurance or you're thinking about opening a Health Savings Account, there are steps you can take that will reduce your monthly premium. Paying your premiums automatically from your bank account will save you money.
Not smoking or using chew will save you a lot of money. You know as well as anyone that you can't be serious about wanting to save money on health insurance if you are going to continue smoking or using chew. Unfortunately the same thing applies to being overweight. Insurance companies use your BMI to help determine how much to charge you every month for your insurance. The higher your BMI the more you're going to pay. Losing even a little weight can make a difference in how much you pay every month.

If you regularly participate in an extreme sport or if you have a dangerous hobby you can count on paying more for your health insurance. Similarly, if you drive a fast sports car or a muscle car you may find yourself paying more for your health insurance.

If you are willing to increase your co-payment to 50% you can save money on your premium every month. Depending on how often you see your doctor in a normal year this could turn out to be a big savings. On a similar note, increasing your deductible will also decrease your monthly premium. Increasing your deductible to the max is what the most affordable - but potentially most high risk - medical insurance is all about.

These affordable policies are not designed to pay for your routine medical needs during the year. What these policies are is a safety net in the event that you suffer a catastrophic medical event or accident that creates humongous medical bills.

If you are deadly serious about finding the very lowest price for your health insurance then you must take the extra time to fill out the form on a minimum of 3 different price comparison sites.

But that's all you really need to do. Just use the information you learned in this article and fill out the form on 3 different price comparison websites. Make certain that you answer the questions the same way on all three forms so you are comparing the same policy - then simply pick the very best price you find.