In Indiana if an individual is unable to afford health insurance because they fall into a low income bracket there is help available to them. This help comes in the form of the government of the state stepping in to pay their Medicare premiums. This is done through the Medicaid program.
For everyone else the best way to save money and get discount health insurance in Indiana is through a group health plan. These are typically offered by employers as a benefit for those who work for them. Although they are often subject to a waiting period after employment commences, they are definitely something that should be strongly considered. The cost in relation to the coverage that is offered is typically quite low. Most people would be hard pressed to find comparable coverage for a similar price anywhere else.
Beyond that, for those who aren't fortunate enough to be eligible for group coverage or state assistance, there are still ways for them to find a better rate on their health insurance premiums. The most notable way is to be healthy. This means giving up any bad habits, such as smoking or drinking excessive amounts of alcohol. It also is a good idea to drop any excess weight and start a regular exercise routine. Some health insurance companies will actually lower premiums for clients who can prove they have an active membership to a gym or fitness club.
It's also good to look at what coverage you really need and what coverage can be considered optional. For instance, if you are single and you have perfect eyesight, you can likely forgo vision care benefits. If you have a substantial savings account, you might decide that disability insurance isn't something you need at this time. Picking and choosing your benefits in this fashion can really help to save money.
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