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Want to know what the best health insurance plans are and where to get them? Read on… The best health insurance plan is one that will give you the most benefits for the least amount of money. Here s a rundown on the pros and cons of today s health insurance plans.

Indemnity Plans

Indemnity plans are the original health insurance plan, but fewer and fewer people are buying them these days because of their high premiums.

* Pros - You can choose your own physicians and hospitals.

* Cons - You must pay a $500 to $1,000 deductible before your insurer will pay your claims. You may have to pay your medical bills yourself, then submit your bills for reimbursement. If your doctor charges more than what your insurer considers “reasonable and customary” you end up paying the difference.

HMOs

HMOs (Health Maintenance Organizations) are the least expensive and the least flexible health plans.

*Pros - Your co-payments (the amount you pay before your ins (more...)

Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here s how …

1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below)

2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium.

3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages.

4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%.

5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company.

6. Drop duplicate coverage - Eliminate your medical coverage if you re al (more...)