Buy catastrophic health insurance instead of a regular plan if you rarely fall sick and you'll pay far less.
For those who might not know what it is, catastrophic health insurance takes care of you if you fall sick suddenly or are involved in an accident.
The biggest advantage of this policy is where sudden health conditions or accidents result in huge bills that could at best be described as catastrophic.
The name really does give an idea of what it protects against.
Catastrophic rates are usually very low.
What is usually high is the deductible which can be as high as $2,000.
But considering that you are protecting yourself from accidents or health conditions that could cost tens of thousands of dollars that are not really that much -- Relatively.
Choose a higher deductible and you'll get a lower health insurance rate.
This is the amount you must pay before your insurer is bound to pay accordingly.
So make it as high as possible but within easy reach.
You'll also get a lower health insurance rate if you maintain a healthy lifestyle.
For example, your rate will be lower with time if you avoid junk food.
Cutting off fats, cholesterol and high carb from your diet will make it easier for you to maintain the right weight, life a healthier life and as a consequence attract lower rates.
You'll also help your health and health insurance rate by committing to regular exercise.
You will save a lot of money on this if you obtain and compare quotes from online sites.
You'll make savings if you use just one quotes site.
But, you'll get more by using at least three.
This offers you a broader basis for doing better comparisons thus increasing your chances of getting more for less.