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| Changing Health Coverage |
 6. Take a separate plan if you travel outside the U.S. Most U.S. plans provide weak foreign travel advantages and most worldwide plans provide weak coverage in the U.S. So it is advisable to carry separate plans tailored to your travel schedule.
7. Be aware of state issues. Each state has its own health insurance laws. Four states – MA, NJ, NY and VT – make it almost impossible for its individual citizens to purchase affordable health insurance. The only legal way around this problem is to receive coverage while living during short term outside these states.
 8. Pay for 3 months of longer. You can save money by paying for more than one month at a time. Since most plans accept credit cards, it even be better to “charge it” at a lower premium rate and then pay off your own credit card over a few months. The premium discount will normally be lower than the credit card finance charges.
9. Try not to buy the lesser-known insurance plans. Health insurance premium rates are based directly on the benefits that the insurer pays out to policyholders. It will be unwise to enroll into a plan where there is a known issue of claims problems in order to obtain lower premium rates. Fortunately, the market share leaders maintain a perfect reputation for claims handling. Join these market share leaders.
10. Employ a medical savings account. Open a medical savings account, if you could take advantage of making your medical expenses fully tax-deductible. There are no account fees or charges for those who are eligible for this plan.
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