{"id":1556,"date":"2020-07-23T10:00:00","date_gmt":"2020-07-23T10:00:00","guid":{"rendered":"http:\/\/itcblog.zywaveinternal.wpengine.com\/itc-syndicate\/\/\/\/how-much-should-you-pay-for-health-insurance\/"},"modified":"2020-07-23T10:00:00","modified_gmt":"2020-07-23T10:00:00","slug":"how-much-should-you-pay-for-health-insurance","status":"publish","type":"post","link":"https:\/\/www.ayalainsurance.com\/es\/blog\/how-much-should-you-pay-for-health-insurance\/","title":{"rendered":"How Much Should You Pay for Health Insurance?"},"content":{"rendered":"<p>        <span id=\"litH1\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 20px;color: #363636;line-height: 24px;font-weight: 600\">How Much Should You Pay for Health Insurance? <\/span><\/p>\n<p>        <span id=\"litContent\" style=\"text-align: left;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';font-size: 14px;color: #808080;line-height: 24px;font-weight: 400\"><\/p>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;color: #000000;font-family: 'Segoe UI', 'Segoe UI Web', Arial, Verdana, sans-serif;font-size: 12px\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Health insurance has an unfortunate reputation for being expensive, but everyone needs it.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;It\u2019s important for everyone to find the right health insurance policy for you and your family without paying too much for coverage.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\"><\/span><\/p>\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;color: #000000;font-family: 'Segoe UI', 'Segoe UI Web', Arial, Verdana, sans-serif;font-size: 12px\">\n<p class=\"Paragraph SCXW3558782 BCX0\" role=\"heading\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: #1f3763\"><span data-contrast=\"none\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 12pt;font-family: 'Calibri Light', 'Calibri Light_EmbeddedFont', 'Calibri Light_MSFontService', sans-serif;line-height: 20.5042px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" data-ccp-parastyle=\"heading 3\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Individual Health Insurance vs Family Health Insurance<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 12pt;line-height: 20.5042px;font-family: 'Calibri Light', 'Calibri Light_EmbeddedFont', 'Calibri Light_MSFontService', sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;color: #000000;font-family: 'Segoe UI', 'Segoe UI Web', Arial, Verdana, sans-serif;font-size: 12px\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">On average, family health insurance policies are more expensive than individual health insurance policies. This is because family health insurance is designed to cover more people, thus&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">adds risk and the requirement for higher coverage limits.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\"><\/span><\/p>\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;color: #000000;font-family: 'Segoe UI', 'Segoe UI Web', Arial, Verdana, sans-serif;font-size: 12px\">\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">The average cost of health insurance for an individual is around $440 a&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">month<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;while health insurance for a family is around $1,168 a&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">month<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;on average.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\"><\/span><\/p>\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr\">\n<p class=\"Paragraph SCXW3558782 BCX0\" role=\"heading\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: #1f3763\"><span data-contrast=\"none\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 12pt;font-family: 'Calibri Light', 'Calibri Light_EmbeddedFont', 'Calibri Light_MSFontService', sans-serif;line-height: 20.5042px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" data-ccp-parastyle=\"heading 3\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Factors that Affect Health Insurance Premiums<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559738':40,'335559739':0,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 12pt;line-height: 20.5042px;font-family: 'Calibri Light', 'Calibri Light_EmbeddedFont', 'Calibri Light_MSFontService', sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Different factors can affect the cost of your health insurance. Even expensive health insurance policies are worth the cost when it comes to receiving help with expensive medical bills, bu<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">t it\u2019s important to know what is influencing your rates.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Common factors include:<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<div class=\"ListContainerWrapper SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px\">\n<ul class=\"BulletListStyle1 SCXW3558782 BCX0\" role=\"list\" style=\"margin-right: 0px;margin-bottom: 0px;margin-left: 0px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;overflow: visible;cursor: text;font-family: verdana\">\n<li data-leveltext=\"?\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px 0px 0px 24px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;font-size: 11pt;font-family: Calibri, Calibri_MSFontService, sans-serif;vertical-align: baseline\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Age of the insured<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;Rates generally rise as the policy holder ages.&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Children 14 years of age and younger cost a flat rate until they turn 15 years old.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;color: #000000;font-family: 'Segoe UI', 'Segoe UI Web', Arial, Verdana, sans-serif;font-size: 12px\">\n<div class=\"ListContainerWrapper SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px\">\n<ul class=\"BulletListStyle1 SCXW3558782 BCX0\" role=\"list\" style=\"margin-right: 0px;margin-bottom: 0px;margin-left: 0px;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;overflow: visible;cursor: text;font-family: verdana\">\n<li data-leveltext=\"?\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px 0px 0px 24px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;font-size: 11pt;font-family: Calibri, Calibri_MSFontService, sans-serif;vertical-align: baseline\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Location<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;Different states and even zip codes charge differently for health insurance. This is in part due to the health expense cost in your area. For example, the average cost of health insurance in Texas is around $374.49 a month while Vermont residents pay an average of $529.71 a month for the same health insurance. Keep in mind that rates may also change between providers, and not all providers are available in every state.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"?\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px 0px 0px 24px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;font-size: 11pt;font-family: Calibri, Calibri_MSFontService, sans-serif;vertical-align: baseline\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Smoking or tobacco use<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;Smoking and using tobacco can have severe affects on your health, meaning you\u2019re more likely to need health services. Policyholders who smoke or use tobacco often face higher premiums. If you quit smoking and notify your insurance provider, you may see a drop in your health insurance premiums after a certain amount of time.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"?\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px 0px 0px 24px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr;font-size: 11pt;font-family: Calibri, Calibri_MSFontService, sans-serif;vertical-align: baseline\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Coverage limits<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-weight: bold;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">.<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">&nbsp;Every person is different and has different health insurance needs. It\u2019s important to consider your and your family\u2019s&nbsp;<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">specific health insurance needs to guarantee you end up with the right policy. Also be aware of common exclusions on health insurance policies. Many do not include dental insurance or cover cosmetic surgery.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"OutlineElement Ltr SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;overflow: visible;cursor: text;clear: both;direction: ltr\">\n<p class=\"Paragraph SCXW3558782 BCX0\" style=\"margin-bottom: 0px;padding: 0px;vertical-align: baseline;background-color: transparent;color: windowtext\"><span data-contrast=\"auto\" class=\"TextRun SCXW3558782 BCX0\" xml:lang=\"EN-US\" lang=\"EN-US\" style=\"margin: 0px;padding: 0px;font-size: 11pt;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif;line-height: 19.425px\"><span class=\"NormalTextRun SCXW3558782 BCX0\" style=\"margin: 0px;padding: 0px;background-color: inherit\">Overall, you should compare quotes in your area and consider your and your family\u2019s health risks before purchasing a health insurance policy. Be sure to speak with an insurance agent about ways to save money on health insurance.<\/span><\/span><span class=\"EOP SCXW3558782 BCX0\" data-ccp-props=\"{'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px;padding: 0px;font-size: 11pt;line-height: 19.425px;font-family: Calibri, Calibri_EmbeddedFont, Calibri_MSFontService, sans-serif\">&nbsp;<\/span><\/p>\n<\/div>\n<\/div>\n<p><\/span><\/p>\n<div id=\"pnlSource\" style=\"margin-top: 20px\">\n<table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" align=\"left\">\n<tbody>\n<tr>\n<td width=\"auto\" align=\"center\" height=\"40\" bgcolor=\"#d52728\" style=\"padding-left: 20px;padding-right: 20px;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';color: #ffffff;font-weight: 400\">\n\t\t\t<a href=\"#\" style=\"color: #ffffff;font-size: 16px;text-decoration: none;line-height: 34px;width: 100%\">SOURCE<\/a><\/p>\n<\/td>\n<td width=\"10px\"><\/td>\n<td width=\"auto\" align=\"center\" height=\"40\" bgcolor=\"#999999\" style=\"padding-left: 20px;padding-right: 20px;font-family: Helvetica, Arial, sans-serif, 'Ubuntu';color: #ffffff;font-weight: 400\">\n      <a id=\"lnkSource\" style=\"color: #ffffff;font-size: 16px;text-decoration: none;line-height: 34px;width: 100%\">INSURANCE TECHNOLOGIES CORPORATION<\/a>\n\t\t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How Much Should You Pay for Health Insurance? Health insurance has an unfortunate reputation for being expensive, but everyone needs [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"0","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1556","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/1556","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=1556"}],"version-history":[{"count":0,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/posts\/1556\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=1556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=1556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ayalainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=1556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}