Fulfill Your New Year’s Resolutions for 2009 – Review Your Health Policy Offered By Your Employer

It’s that time of year again – you’re starting to think about making some resolutions for the coming of the New Year.  Most of us think about resolutions regarding getting in shape and losing weight after the holidays.  That’s a good one, especially for those that are disciplined enough to stick with it past the first month of the year.  But, just as you’re thinking about bettering your physical health, don’t forget to include in your resolution to review your health insurance policy to make sure you have the coverage you need.

Perhaps you have health insurance through your employment.  If so, many such policies have “open enrollment” at this time of year – just prior to a new policy that incepts as of January 1, 2010.  Check with your employer to determine when your open enrollment is – you may want to cross this New Year’s resolution off the list before January 1, otherwise it’ll be too late to change your coverage.  During open enrollment, you can evaluate the insurance options available to you by your employer and determine whether one of those is suitable for you.  Don’t forget that you can also explore other options – for example by considering cheap health insurance quotes available online.  It certainly doesn’t hurt to see if you’re able to find something that suits your needs better than your employer’s plan which is not tailored to you as an individual.  (For example, if you are a single man, you don’t currently need a policy that provides maternity coverage.  Yet, because you’re lumped in with a group plan, your policy likely covers that and the premium reflects that coverage).

Whether you can find something that is better and cheaper will depend on what plans and coverages your employer offers and what contribution your employer makes toward your health insurance.  You should review your current health insurance policy to determine whether it contains the coverages and limits that you need, and a deductible that works for you.  Next, you should look for cheap health insurance quotes available online to determine whether you can find the coverages you need at a lower price with a deductible suited to you.

Looking for low cost health insurance quotes online with coverages that are tailored to your needs is quick and easy!  Take the time to check with your employer to determine when open enrollment is for your current insurance.  Then, make it one of your 2010 New Year’s resolution to determine whether you are currently getting the coverage you need at the best premium available to you.  Don’t let finding cheap health insurance fall of your list of resolutions – you’ll be happy in 2010 to have affordable health insurance that meets your needs.


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