Affordable health insurance: Read through this write-up if you will like to discover seven ways to pay much less for the right coverage. Even though you're enjoined to read through, note that it's only the first step in the process: The benefits to be reaped will only be yours when you take further steps to apply what you've learnt. Here are time-tested steps to savings...

1. Notwithstanding that this may not be a problem for most people it should be said...

Do not use drugs that have either been banned or have yet to be registered as they will make you pay very high insurance rates if discovered and that is apart from the fact that you're endangering your life. And where the use of certain drugs is approved, abusing them will also make you attract higher health insurance rates. Along these lines, steer clear self-medication for both its grave implications and the fact that it will increase your health insurance rates.

2. You might not be enjoying some concessions you are eligible for with your present insurance carrier simply because you do not know. Since agents too are not above mistakes they might not remember to tell you about some discounts you are qualified for. The only way to be sure this is not true in your case is by asking your agent to list out every discount that your preferred insurance carrier offers. You might be surprised at discounts you've not benefited from.

3. Buying catastrophic health insurance coverage will help you save a lot in health insurance and is recommended if you are the consistently healthy type. You get coverage for those health conditions or medical needs that may come up suddenly.

The good thing about this policy is usually appreciated in cases where an ailment or accident results in very high medical bills that would otherwise destroy most people's life savings. That's the reason it's protection against catastrophic illness or accidents. They come at very cheap rates.

Notwithstanding, the deductibles are generally as high as $2,000 but they are certainly worth it since you rarely fall sick and are getting coverage in case a catastrophic ailment or accident befalls you.

4. If you find it really hard to pay for health insurance policy, you may qualify for Medicaid. Various states have different criteria for eligibility. But the basic condition is that you must fall within the low-income bracket. You can still qualify even if you have a job.

A member of your family may qualify even if you do not and therefore reduce your family health insurance budget. So verify from your state's Medicaid program.

5. If you participate in high risk or dangerous sports you'll attract high health insurance rates. It's therefore imperative to quit such dangerous sports if you want lower health insurance rates.

6. Being on one health insurance policy could save you a lot once you're married. Notwithstanding that this is true, it's not always so all the time. So check to be sure which is in your best interest.

This is because in a number of situations it will save you more to be on separate plans and in other situations it's more profitable to be on the same plan.

7. You will save much if you really have between 25-30 minutes. Visit, receive and compare health insurance quotes from selected quotes sites. The lowest quote should be what you go for easily. Nevertheless, you have to go beyond simply the lowest quote to the best price to value ratio. The cheapest may not be the best price/value for you as a person.