Health should be one’s topmost priority and one must go an extra mile to save for future medical costs. What better way to do this than having the right medical insurance? Heath insurance is expensive but not when you know how and where to find an affordable and the right plan. Moreover, it is important to know that inexpensive medical insurance can also sometimes turn into a bad deal. So, here are four tips on how to get your hands on the best low-cost medical insurance plans.

Research is key
Finding a low-cost insurance might get daunting. Therefore, shop around, do a thorough research, and get the best insurance plans. One of the main things is to know what your requirements are and check out the eligibility criteria for each medical insurance. You can choose from AARP health insurance plans to Medicare, whichever suits you best. If you’re looking for a low-cost medical insurance, then you can first shortlist the insurance plans that come with low premiums and then pick the ones that suit your needs.

Get a plan directly through an insurance company
Buying an insurance policy directly from the insurer is always a preferred choice as they would have more options than state exchanges. You can directly and easily compare plan details online and get in-depth information on each plan. In this case, you can get the right low-cost medical insurance and save money. The important thing is to know which insurance company offers the best deal.

Buy through an insurance agent
In case you are overwhelmed with limitless low-cost medical insurance plans offered by various companies, it is always advisable to seek help from an insurance plan expert. You can find two types of insurance agents – independent agents and captive agents. The former is also known as brokers who help you find the best medical insurance from numerous insurers, while the latter offers you insurance plans from a single company. If you want to save on medical insurance costs, it is always preferable to go with an independent agent with more options to choose from. On the other hand, if you do not want to look for low-cost medical insurance plans and stick with a single company of your choice, a captive agent can help. So, whether you’re looking for AARP health insurance plans or supplemental health insurance plans, know which agent to contact.

Coverage under your domestic partner or parents’ insurance
If you’re planning to get a low-cost medical insurance, it is advisable to check your spouse or domestic partner’s medical insurance plan and coverage. In some of the medical insurance plans, there is a coverage for a spouse or domestic partner, depending upon the eligibility criteria. Moreover, you can check if you are eligible under your parent’s medical insurance, which will help you save cost. You can also add multiple features (add-ons) to an existing medical insurance policy of your spouse or parents.