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The cost of family health insurance has increased 30% nationwide from $8,281 in 2001 to $10,728 in 2005, according to a study conducted by the University of Minnesota. While insurance rates increased 30%, income has only increased by 3%. Not surprisingly, the number of uninsured Americans has reached a staggering 47 million (according to the US Census Bureau in 2006). Recognizing this epidemic, insurance companies are beginning to offer alternative low-cost plans.

Options for Cheap Health Insurance

Most likely, you do not need all 50+ services included in a standard health insurance policy. Speak with an insurance agent about shaving off the options you do not plan on using. Additionally, by raising your deductible, you lower your monthly premium. If you have children that need coverage, look into getting them separate policies rather than lumping together in the same family policy-this could save you money since age does play a factor in health insurance costs. Finally, lead a healthy and active life to stave off obesity, diabetes, heart disease, and other chronic illnesses. Eat healthy and stay away from cigarettes (your premiums are considerably higher if you are a smoker).

Shopping for Cheap Health Insurance

You can obtain cheap health insurance for you and your family. Simply shop online, free, and with no obligation. It is recommended that you get quotes every six months to determine if there is a better rate for a plan that best suits your needs. Get up to eight free quotes from leading health insurance carriers here at GuideToCheapInsurance.com. Begin by filling your zip code in the box above.