When it comes to health insurance, single mothers can find it difficult to get affordable health insurance quotes. It can be a challenge to acquire health care coverage at a reasonable price for both mother and child. However, there are several options available for single mothers to obtain a low cost health insurance quote.

One of the first and easiest ways that a single mother can get an affordable health insurance quote is to check with her employer. Most companies that offer group health insurance plans for their employees have a special rate for employee-plus-child. These plans are typically much lower than individual family plans as coverage for children costs less than for adults.

If your employer does not offer group insurance or it is still too expensive, a single mother can check around with private insurance companies to compare health insurance quotes. Some larger insurance companies do offer special rates specifically for single moms. By comparing quotes, you may be able to find an even cheaper health insurance quote than with a group plan through an employer.

Single mothers can also save with lower health insurance quotes through additional discounts. More than likely, you already have a vehicle which is insured. By getting a health insurance quote with the same company that insures your car, you could easily qualify for a loyalty discount that will save you money on your premiums.

Additional ways to lower your premiums and obtain affordable health insurance quotes is by making simple lifestyle changes. People who take part in extreme sports or activities have much higher insurance rates than those who don't. Likewise, a single mother who smokes will pay much more for health insurance, so if you do smoke, quit. After just one year of not smoking you could reduce your rates.

Setting deductibles is another great way single mothers can save more on their premiums. By raising your deductible, you can easily achieve an affordable health insurance quote. The higher your deductible is, the lower your premiums will be. Though you will have to pay more out of pocket for a hospital stay, it is significantly less than what you would pay without health insurance. Maintaining good health is the best way to avoid having to pay towards a higher deductible.

Your overall health has a significant impact on health insurance rates. Single mothers especially will want to focus on staying healthy not just for this reason, but also to stay well to care for her children. Managing your weight, blood pressure, blood sugar, and cholesterol as well as exercise and eating right are all great ways to avoid trips to the doctor and keeping premiums down.