Costs for health care insurance in Cleveland are rising every year. In 2007 insurance costs  rose 40%. And while premiums are rising, coverages are falling, with you as the insured paying …
<ul>
<li>• Higher deductibles</li>
<li>• Higher co-pays for medical provider visits</li>
<li>• Higher co-pays for prescription drugs</li>
</ul>
Is there any way to still find cheap health care insurance in Cleveland?

<li>Lower-Cost Employer Medical Insurance</li>

To save costs , a lot of corporations are looking to consumer-directed heathcare programs such as Health Savings Accounts and High-Deductible Health Plans. These programs offer insurance with low premiums and high deductibles coupled with tax-exempt health savings accounts.

Forty% of Cleveland corporations offer these plans, including large corporations such as United States Greetings.

<li>State-Sponsored Options</li>

For the unemployed or lower-income Cleveland residents, the state of Ohio offers several programs to help pay for insurance or medical care. These programs include:
<ul>
<li>• Healthy Start/SCHIP for kids under age 19</li>
<li>• Healthy Families</li>
<li>• Ohio Senior Medical Insurance Information Program</li>
</ul>
For more information about these programs visit the Ohio Department of Insurance Web site at: ohioinsurance.gov

<h3>Private Insurance</h3>

Private insurance is an option for Cleveland consumers, but it tends to be more expensive than employee or state-sponsored insurance. To help you save on private insurance, be sure to shop rates at an insurance comparison Web site. Insurance corporations have different rates for similar insurance policies, and you can save hundreds of dollars a year on your health care insurance by comparison shopping.

When you go to an insurance comparison Web site, you will fill out a simple form with information about yourself and your health care insurance needs. Soon after you submit your information you will receive proposals from multiple A-rated insurance corporations. You are able to look over the proposals and compare them for cost, benefits, and coverages, then select the plan that fits your needs.

If you have any questions about your health care insurance options, the best insurance comparison websites offer a chat feature. With this feature you can talk online with insurance professionals and get fast, accurate answers to your questions.