How To Get The Best Rates on Health Insurance in Vermont

 One in ten people living in Vermont has no health insurance. Most of the people who don't have insurance simply can't afford it. Unless they qualify for one of the low-income health insurance plans being offered by the state, they must seek out affordable health insurance on their own.

To find the best rates on health insurance in Vermont you need to have a clear picture of what type of plan is best suited for you and your family. If you aren't particular about which physician you see, you can often get a better rate on a managed care plan than an indemnity plan.

It's also a very good idea to purchase health insurance while you are still quite young. Many illnesses don't present themselves until a person is older and if they are looking for health insurance then, they can expect to pay higher rates. That's because any pre-existing conditions weigh heavily on premiums.

Calling for quotes is the best way to find the lowest price on health insurance. While contacting different companies to get a price for a health insurance policy asks them about their preferred payment plan. Typically you'll enjoy the best rates if you pay the entire policy cost just once a year. Although it can be tempting to pay every month, this can drive the cost up because of service charges.

Also, give up cigarettes if you are a smoker. This bad habit can add as much as $200 to your healthcare premiums per year. Insurance companies view all smokers as a bad risk so kick the habit and you'll save a lot of money in addition to feeling better. If you are a smoker don't consider not revealing that to your insurance company before they underwrite the policy. Being dishonest can result in your policy being voided during treatment, which means you'll be responsible for all the costs. It's much better to seek out an affordable policy based on your current health situation so you can ensure you'll get the coverage you need at a price that fits your budget.