Colorado Health Insurance rates are lower if you pay your yearly premium in one lump sum. You can avoid the Colorado health insurance service fee and could also be eligible for a pre-payment discount. If your family has enjoyed good health for a number of years, you may want to move to a higher deductible of $500 or $1000, and take advantage of a significant reduction in premiums.

If at all possible, avoid insurance policies that don’t include pre-existing conditions. If you can’t locate one without any waiting period, at least get one with no more than a six month period.

Think twice before purchasing “supplemental medical” insurance. Many supplementary policies are not needed because the items they pay for may already be covered under your existing health insurance plan. Check to make sure that the limits for hospitalization and treatment on your main health policy seem high enough; if they don’t, shop for another policy.

Enroll in a group plan. Individual health insurance can be extremely costly for self-employed people. By joining some small-business associations, you may have the opportunity to enroll in a Colorado group health insurance plan and avoid pre-existing waivers, the need to pass a physical, and save on premiums. One such association is Communicating for Agriculture & The Self-Employed.

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