It's extremely likely that your rate has changed if you've held onto a health-insurance rate for the past 120 days.
The same coverage could be available at a cheaper rate.
Customers are not contacted about new and cheaper coverage - a troubling fact when insurance companies change their rates up to three times a month.
The consumer has a significant advantage over insurance-companies right now - the current recession is fueling an intense pricing war between insurance companies.
If you're willing to find these cheaper rates, be aware that it can take at minimum half of a day.
Finding a single quote for you is extremely difficult and drawn out, purposely designed that way by major insurance-companies.
You must schedule at least half of a day to find a cheaper rate.
Without having to speak to a single sales agent on the phone, several private companies have provided Internet tools that will easily compare cheap rates from insurance companies - all for free.
To get all rates from major health-insurance-companies, once a huge feat for an individual, takes only 15 to 20 seconds for the search engine.
There is no reason that any consumer with health insurance shouldn't compare their present and competing insurance companies to find the cheapest rate.
Why pay more for the same coverage? This is the perfect time for the average consumer to use these tools and lower the cost of their health insurance.
This is free only for those who carry health insurance.