AARP - the organization that does so much good for senior citizens - recommends a health insurance policy to its members that is touted as not only an excellent policy, but it is supposed to be the cheapest policy available. But is it really? It's certainly cheaper than many other health policies on the market, and it's been designed to cover the types of problems that many seniors face. The problem is, you may or may not need or want the same coverage as a million other people, and the truth of the matter is, the brokerage costs of an AARP policy make the cost far higher than you may be able to get on your own - if you know the Secret for getting your policy at wholesale prices...a secret your broker hopes you'll never learn!

It's true. You can get your health coverage at a wholesale price which may very well be better than the price you can get through AARP. But before I describe exactly what this little secret is for getting yesterday's prices for today's insurance, there are a few other small items we should discuss...things which could reduce the cost of your premium by an ADDITIONAL 10 to 12%!

You should always pay your premium directly from you bank account. You probably aren't aware of just how costly it is for your company to print and then mail a bill to you every month. If you save them this cost they are happy to pass the savings along to you.

Do you have any idea how much a fast food burger and fries costs? You probably think the price you pay is listed on the menu behind the fast food counter. But that's hardly the true cost of your burger and fries!

Every fast food burger and bag of fries you eat costs you a horrible price...in fat, calories and cholesterol! Fast food burgers and fries are - literally - killing you. They are a slow form of poisoning. And they cost you a fortune in increased health insurance premiums each month!

If you are carrying around extra pounds you can probably thank your intake of fast food burgers and fries for many of them. And extra pounds mean a higher health care premium. You pay a FORTUNE for your fast-food lifestyle every time you pay your health premium. Cut out the burgers and fries and you'll soon see a reduction in your weight and a reduction in the cost of your health policy.

Smoking or using chew also drives up the cost of your monthly premium in a big way. How serious are you about saving money on your health care? Are you serious enough to do what needs to be done? Are you serious enough about it to cut all tobacco products out of your life - for good?

Increasing your yearly deductible will lower your monthly premium. Just be sure you don't increase your deductible past the point at which you can still pay for it.

So what's the Big Secret that can cut the cost of your health insurance even lower than an AARP policy? It's simple.

Buy your policy online. Buying your health policy online will save you a cool 30% to 40% even if you don't include any of the other suggestions I made in this article for reducing the cost of your monthly premium - adding in several of my other suggestions in this article could save you as much as an additional 12%!

How will buying your policy online save you money? Let's start with the fact that online brokers have almost no overhead - and no overhead means they can sell you the same policy as a brick and mortar broker at a huge discount and still make a profit.

But there's more to it than that. Online brokers also face stiff competition from other online brokers - and the more competition there is the more prices are cut in order for everyone to stay competitive. And that is good for YOU!

There's one more advantage to buying your policy from the comfort of your own home. There's no broker looking over your shoulder and urging you to buy additional coverage that you don't really need and can't really afford. When you buy online YOU are in charge!

Don't take my word for it. Get online and check it out for yourself. Just by answering a few simple questions online you can undoubtedly save even more every single month on the cost of your health care premium than you could by buying a pre-packaged AARP policy!

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