For most people the cost of their health insurance is one of the most difficult bills to pay - if they can even afford a health plan at all. More than 16% of all Americans don't have any health coverage for the simple reason that they can't afford it. But there's an answer. There's a little secret that's so simple that your broker hopes you'll never find out what it is. A secret that will save you so much on your health policy every month that many people are finding it cheaper to buy an individual policy than it is to pay for a group policy through their place of employment.

You'll be amazed at just how easy it really is to save a cool 30 to 40% right off the top on your health coverage - but before we get to the Big Secret let's talk about s few other things anyone can do to lower the cost of their health care even FURTHER.

Pay your premium automatically each month. It costs companies more than $12 to print and mail a bill to you every month, and if you set up a direct payment of your premium straight out of your bank account your insurance company will gladly reward you by lowering the cost of your premium.

Did your policy come with a standard 25% co-payment any time you visit your doctor? Most policies do, and if you see your doctor frequently this is probably a good thing. However, if you only see your doctor a few times a year you may be able to save quite a bit simply by increasing your co-pay to 50%.

Don't stop for that fast food burger and fries that you've gotten into the habit of eating. The cost of a burger and fries goes FAR beyond the price on the wall. A burger and fries meal will pump more than 1,000 calories into your system and enough fat to lube a big rig - and that doesn't begin to address how much cholesterol is clogging your arteries.

If you have weight issues one of the primary causes is eating fast food burgers and fries - and every pound that you're overweight costs you Big Bucks every single month on the cost of your premium. Stop eating at fast food places and you'll lose weight and save money on your health insurance.

Smoking or using chew also cost you a FORTUNE when it comes to health coverage. Stop. Just stop. If you're serious about saving money on your monthly health premium then you have no choice but to be just as serious about quitting all tobacco products.

If you can afford it, increase your deductible. The higher your yearly health care deductible the lower your monthly premium is going to be. Just don't get carried away and increase your deductible so much that you can't afford to pay it.

So what's this Big Secret that your broker is hoping you'll never learn? It's actually the easiest thing you can do - buy your health insurance online.

That's all you need to do. Online brokers have no overhead. No overhead means they can sell you a policy at a discount of 30% or even 40% and still make a profit. Also, there's a considerable amount of competition for your online business and there's only one way for a broker to stay in business under conditions like that - prices must be cut and then cut even further!

The result is that - for once - YOU WIN! You get the exact same insurance you've always had at a cool savings of 30 to 40%.

And there's another bonus. When you buy your policy from the comfort of your own home there's no agent looking over your shoulder and talking you into things you don't want and can't afford. For once YOU are in complete control!

So please - don't take my word for it. Get online yourself and check out the prices. See just how much you can keep in your pocket every month simply by buying your health policy online.

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