I could not believe what I was hearing. Do the words affordable and medical insurance in reality go together? The response is yes if you address the purchase of medical insurance correctly. The very first thing to do is be healthy.

Now you are probably saying you do not need health insurance if you are healthy. Keep in mind the unpredictable nature of accidents and illness. To get affordable medical insurance you cannot be obese, cannot smoke, cannot abuse alcohol, and cannot have high cholesterol or blood pressure. Controlling these things not only reduces medical insurance cost but also afford you a longer, fuller life.

The type of policy you buy will also determine how affordable the medical insurance will be. By limiting the number of well visits per year and increasing your deductible to at least $2000.00 per year, your month cost can be less than $200.00 per month even if you are over 50 years old. These types of policies fall into the category of policies allowed in medical savings accounts. With these account, you can deposit money into an account to cover your deductible and get a tax write-off to boot. The unused money that accumulates in the account can be used for your child's education.

Another way to achieve affordable medical insurance is splitting the types of coverage between several policies. First purchase a catastrophic insurance policy that will pay for care if you develop cancer or diseases like ALS. These policies can cost less than $40.00 per month for your lifetime and do not go up in price because they only have to pay when you develop one of those catastrophic diseases that have a low probability of occurring. Add to this a high deductible general medical insurance policy that will cover your annual physical, sick visits, ER, and labs. This combination will give you affordable medical insurance that is also flexible. In the event cost goes up on the general medical insurance, you can shop again and replace it without disturbing your catastrophic insurance.

Thanks to the internet, you can easily perform a comparative evaluation of medical insurance quotes from a considerable number of medical insurance companies. Study ways described above to create combinations and realize truly affordable medical insurance. It really is not a misnomer.