See our health insurance resource section for more information. Shopping around is about the best way we know of lowering your health insurance premium. But be careful. For example, if you or your wife is pregnant, a new company could list it as a preexisting condition and not cover the pregnancy. Preexisting conditions are conditions that are excluded from coverage under a health insurance policy.
Examples are endless but include things like knee injuries, back injuries, heart ailments, etc.
The percentage amount that the insured is required to pay to 'share' in the cost of medical care. The set amount you are required to pay each time a medical service is performed. CO-pay per visit. Generally, third party rating services and you state insurance commission are your best sources when considering insurance. These organizations have financial records as well as claim paying performance statistics that can help you make an informed decision.