Welcome to Preferred Insurance

If you are visiting an insurance website, you are obviously looking for affordable Colorado health insurance plans and quotes. Before requesting a Colorado health insurance quote, here are some things to consider that will greatly reduce premiums:

First, if you and your family are healthy and don’t use a lot of prescription medicine, you might want to think about buying an individual insurance plan instead of a group insurance plan. The premiums for individual insurance plans are anywhere from 20% to 50% lower than group insurance. The premiums for individual are lower because:

• The rates are based on your age and tobacco use status
• Females pay slightly more than males
• Health insurers will ask medical questions, and based on your answers, you could receive full coverage, be refused, or have riders attached to your policy.
• Most individual plans will have some restrictions on maternity.
• All individual plans are medically underwritten, so if you or a family member have major medical problems, this may not be the direction to take.