Watch more Understanding Insurance videos: http://www.howcast.com/guides/36-Understanding-Insurance Subscribe to Howcast's YouTube Channel - http://howc.st/uLaHRS Find affordable health insurance with these tips. Howcast uploads the highest quality how-to videos daily! Be sure to check out our playlists for guides that interest you: http://howc.st/ytmainplaylists Subscribe to Howcast's other YouTube Channels: Howcast Health Channel - http://howc.st/HOE3aY Howcast Video Games Channel - http://howc.st/tYKKrk Howcast Tech Channel - http://howc.st/rx9FwR Howcast Food Channel - http://howc.st/umBoJX Howcast Arts & Recreation Channel - http://howc.st/vmB86i Howcast Sports & Fitness Channel - http://howc.st/vKjUjm Howcast Personal Care & Style Channel - http://howc.st/vbbNt3 Howcast empowers people with engaging, useful how-to information wherever, whenever they need to know how. Emphasizing high-quality instructional videos, Howcast brings you experts who provide accurate information in easy-to-follow tutorials on everything from makeup, hairstyling, nail art design, and soccer to parkour, skateboarding, dancing, kissing, and much, much more. Step 1: Check state laws Become familiar with the health insurance laws in your state. Type the name of your state and "health insurance laws" into a search engine to find the appropriate government web site. Step 2: Check out group rates Check out policies that trade associations offer; they often have lower rates. But make sure you're contacting a reputable trade group. Some lure in members with low premiums that jump up in a year or two. Tip If you're self-employed, see if your state offers group rates to businesses with just a few employees. Step 3: Comparison shop Comparison shop either on your own or with the help of a health insurance broker. Locate the latter through nahu.org. Step 4: Read the fine print Buyer beware: Some policies offer only "limited benefits," a distinction that's not apparent unless you read the fine print. Tip Three-quarters of Americans who are pushed into personal bankruptcy by medical problems had health insurance. Step 5: Go for a high deductible Consider a high deductible. Depending on the size of your family and your medical situation, it may be cheaper to hold health insurance primarily for a catastrophic illness or injury rather than for regular office visits. Tip Find out if you can open a health savings account, which lets you put money in an interest-bearing account that can be withdrawn, tax-free, for medical expenses your insurance doesn't cover. Step 6: Protect your children Protect your children by calling 1-877-KIDS-NOW for information on low-cost -- or even free -- health insurance for children 18 years and younger. Each state has its own program for low-income families, and eligibility rules vary. Step 7: Look into Medicaid If your income is very low, find out if you're eligible for Medicaid by contacting the U.S. Department of Health and Human Services. Step 8: Apply for Medicare If you're 65 years or older, apply for the federal health insurance program known as Medicare by calling 1-800-MEDICARE. Did You Know? In some states, people who work 25 hours per week qualify for the health benefits of a full-time employee.
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