Archive for the ‘Online Shopping Faves’ Category

Buying Bling Online – A Guide

Monday, December 13th, 2010

If you’re in the market for jewelry this winter, you’re in luck – despite the rise in the cost of gold, the cost of jewelry has risen less than 2% since last year.  In other good news, there are dozens of reputable online jewelry merchants to choose from, so you can buy bling online from the comfort of your own home.  But if you’ve never purchased jewelry online, I can understand why you’d be a bit apprehensive.  To make it easier, I’ve compiled a list of my favorite places to buy jewelry online, as well as some tips that can make sure you shop safely.

If you value quality over a bargain, you can always shop at Tiffany & Co., a jeweler whose reputation speaks for itself.  Jewelry from Tiffany & Co. isn’t cheap, but if you’re not sure what to buy, you can pretty much ensure that you’ll pick a winner from this store.  You can rest assured that when shopping on the chain’s website you’ll receive items that are the same quality as those you’d find in-store.  And, with free holiday shipping, you’ll have no qualms about shopping online instead of in the store.

Another place to buy high-quality jewelry online is UniquePearl.com, which was voted among the best places to buy pearls by SmartMoney magazine.  But in case you’re looking for another testimonial, you can use mine – a few months ago I advertised a giveaway in which Unique Pearl was offering free pearl earrings.  The ones that I received were not only beautiful, lustrous pearls, but also constructed beautifully.  The one downside of Unique Pearl’s website is that it’s difficult to search by price unless you know exactly what type of pearl you want.  Still, it’s worth taking a look, as some interesting prices and pieces are available.  Prices range from under $100 to several thousands of dollars, and the company can also create custom pieces based on your specifications.

If you’re looking for dazzling bling at a price that won’t take your breath away, try Ice.com.   In contrast to Unique Pearl, this site makes it extremely easy to shop by price, and you can find a wide range of styles and designs.  Of course, if you don’t have a style in mind, you may find yourself overwhelmed with options.  Ice.com also offers user reviews and extremely zoomed-in images that can help you know exactly what to expect with your purchase.  Need another reason to shop at Ice.com?  You can save $25 on purchases over $89 here, for a limited time only.

Finally, it’s worth considering Overstock.com if you’re a true bargain hunter and you’re not necessarily looking for the flashiest of bling.  Overstock.com doesn’t offer genuine diamonds or gold, but it does offer interesting fashions in sterling silver, CZ and other semi-precious gems.

But no matter where you decide to buy bling online, make sure you stay safe by:

  • Avoiding independent sellers whenever possible.  Cybercriminals love creating fake sales ads and taking your money without delivering the product.
  • Using your credit card.  Purchases made with credit cards come with fraud protection and charges can be easily contested.
  • Checking the return policy.  If you’re nervous about purchasing jewelry online, make sure to confirm that it’s returnable if it doesn’t meet your expectations.
  • Reading reviews.  It’s always a good idea to see what other people have to say about a particular jewelry company before making a purchase.  Just keep in mind that if you’re reading reviews on their site, they may be edited or censored to remove negative reviews.
  • Considering secure shipping options.  If you’re concerned that your purchase shouldn’t get lost in the mail, you may want to pay a few extra dollars for secure shipping.

Good luck finding the perfect jewelry online!

Free Shipping Day 2010 is Coming!

Wednesday, December 1st, 2010

Black Friday is history, Cyber Monday is a memory, but mark your calendars – FREE SHIPPING DAY is on its way!  Over 1,000 online retailers will be offering free shipping on December 17th.  Among the online retailers that are slated to participate are:

  • Ann Taylor Loft
  • Brookstone
  • Circuit City
  • Dell
  • DSW
  • eBags
  • Eddie Bauer
  • Godiva
  • JCPenney
  • Lord & Taylor
  • Macy’s
  • Nike
  • Overstock.com
  • TigerDirect
  • Zappos

And more…see the full (and still expanding) list here.

As always, I’ll be monitoring the best deals the week before Free Shipping Day so that you can pair free shipping with serious savings.  I’m excited, are you?

Cyber Monday 2010 – Price Comparisons & Insights

Monday, November 29th, 2010

You’ve probably noticed that there are dozens (if not hundreds) of websites offering ‘exclusive’ Cyber Monday deals and coupons.  But there aren’t many (if any) that offer a solid price comparison on this season’s best-selling items.  So I took it upon myself to wake up in the wee hours of Cyber Monday 2010 to check out prices and identify which websites truly offer the best Cyber Monday coupons.  I compared prices on electronics at Walmart, Circuit City, Best Buy, TigerDirect and Amazon.  Here’s what I found:

iPod Touch – The standard price for the iPod Touch 8GB bundle is $229.99, but you can find some better deals if you look around.  Fortunately, I’ve already done the hard part for you!  One of my favorite deals is at Best Buy, where you can get a free Insignia GPS with the purchase of any iPod Touch (including the 8GB, which of course costs $229.99).  Score this deal (online only) here.  A word of warning – although the deal is available at the time of this publishing, I discovered on Black Friday that Best Buy often has very limited quantities of their best deals, so you’d better act fast if you want it.  Walmart comes in second with the 8GB bundle for $210, with free site to store shipping.  Amazon’s price is $214, while TigerDirect and Circuit City don’t offer the product at all.

Flip Ultra HD camcorder – The standard price for the Flip Ultra HD camcorder is $99.99 for the 4GB version and there aren’t many price reductions for Cyber Monday.  You can save a bit of money by purchasing a refurbished model, which is available for $69.96 on TigerDirect for the 4GB version and $99.99 for the 8GB Flip.  Amazon’s refurbished version is priced at $95.  As usual, refurbished versions are available in limited quantities only.  Best Buy loses this price war by selling the 4GB Flip for about $20 more than every other store.

Canon Powershot SD1300 12.1MP digital camera – This is one of the most popular pocket digital cameras of the year, and as a proud Canon Powershot owner, I can tell you it’s definitely a sturdy investment.  The camera is available in a range of colors from silver to bright orange.  The prices for this item were perhaps the most surprising.  Walmart, which prides itself on the lowest electronics prices, but its prices for this camera were not even close to its competitors.  Walmart is selling this camera on Cyber Monday for $149 with a free 2GB memory card.  In comparison, Amazon, the best place to buy the Canon Powershot, is offering the same product for $129.99 with a free 4GB memory card. Both stores do offer free shipping to home.  Target, TigerDirect and Circuit City all offer the camera for $129.99, but of those, only Target offers free shipping.

Where to find Cyber Monday coupons and extra savings:

  • Gift Card Granny has gift cards at prices below face value here.
  • If you’re looking for the ultimate Cyber Monday guide (and have time to sift through irrelevant stores), check out cybermonday.com.
  • Ebates, of course, can help you save an additional percentage on any of your online purchase.  If you’re not a member, you can also get a free $10 gift card for a limited time only.
  • Finally, you can check out savings.com for coupon codes that can be added to your favorite Cyber Monday deals.

My final piece of advice – if you’re shopping for yourself, don’t feel pressured to buy something just because it’s Cyber Monday.  My research indicates that prices weren’t dropped to unbelievable prices, and that they may still fall further, possibly after the holiday season.  If you’re not in a rush, showing restraint may pay off big in the long run.

Online Shopping Safety for Cyber Monday (and Beyond)

Sunday, November 28th, 2010

Although it’s only a few years old, Cyber Monday has become one of the most anticipated online shopping days of the year.  Consumers who didn’t finish shopping on Black Friday, those who chose not to battle the crowds and those whoInternet shopping safety just can’t pass up a good deal will find themselves rushing to score some great Cyber Monday deals.  And, much like on Black Friday, the truly conscientious consumers will be logging on at midnight to make sure they get their favorite items before they’re sold out.  But with cybercrime at all time high and scam artists getting more creative each year, it’s a good idea to read the tips below before shopping on Cyber Monday (especially, but not only, if you life in New York, California, Florida, Washington D.C., Texas and Washington State, as those states have registered the highest number of complaints in recent years).  It’s also a good idea to share these tips with any friends you know who enjoy shopping online.

Missing auction items.  According to a 2009 study conducted by the FBI, over 30% of internet complaints result from consumers who purchase items on auction and then fail to receive them or receive an item that does not matched the description of the advertised product.

How to protect yourself:  Whenever possible, pay with a credit card.  The Fair Credit Billing Act protects you if you use plastic to pay for your purchase.  And, while many auctioneers don’t accept credit cards, you can still protect yourself by paying through PayPal with an account linked to your credit card.

Fake websites.  Nobody likes to think that they’d make a purchase from a fake website, but this form of online scam is becoming more popular with each passing year.  Phishing is a scam in which cyber thieves convince consumers to input their information into a fake website or email that looks remarkably similar to a legitimate website.  Over 5 million consumers are sucked into phishing scams each year, with an average loss of about $350.

How to protect yourself: For starters, make sure that your virus protection is up to date, and that your anti-spyware software is current.  Make sure that every site you buy from has a SSL, which looks like HTTPS in the url of the checkout page.  If you receive an email asking you to confirm your details, do not submit any information until you confirm the legitimacy of the email by contacting the online store that it came from.

Identity theft.  While some online scam artists steal only the amount of one purchase from each consumer, expert cyber thieves have found ways to lift your entire identity so that they can use your information for making future purchases at your expense.

How to protect yourself: Check your credit card bills regularly for suspicious purchases.  If you are concerned that you’ve been scammed, you should also call your credit card company immediately to get a report of the recent activity on your account.

5 Additional Ways to Protect Yourself When Shopping Online

  1. Shop on accredited sites. Accreditation from the Better Business Bureau (BBB) is always a good sign, as is a seal from a recognized security system such as McAfee or VeriSign.
  2. Never input your information into a popup window.  One of the most common ways for cyber criminals to steal your information is to ‘hijack’ the website you’re shopping on by asking for your information in a popup window.  Be aware of this tactic and make sure never to input your information into a popup window.
  3. Know your prices.  The best way to ensure you’re getting the best deal is to know your prices, so that you can discern between really great deals and marketing hype.
  4. Use a ‘disposable credit card’.  While I don’t advocate being overly afraid to purchase items online, you may feel safer if you use a disposable credit card which will limit the amount that you can spend on the card so that even if it’s stolen, you won’t be robbed blind.  Most major credit card companies offer this service including American Express, Citibank, Bank of America and Discover.
  5. Keep your personal information private. There’s really no reason why you should need to provide your birthday or Social Security number when making standard purchases online.  Be wary of any website that asks you for especially personal information.

Stay tuned for Cyber Monday deals – coming soon!

Spotlight on Cheapism – Reviews of Cheap (Quality) Stuff

Thursday, October 7th, 2010

If you’re looking for a great deal on a specific purchase, you’re probably knee deep in research – especially if it’s aCheapism - a review website for cheap productscostly investment like electronics or sports equipment.  What you probably want is a website that can tell you where to get the best stuff for the best price.  Enter, my friend Max Levitte and his website Cheapism.com, which offers not only reviews of the best and cheapest products on the market, but suggestions about where to get the product you’ve chosen for the lowest price.  But is Cheapism the ultimate place to investigate products or just another website that will lengthen the research process?  I put on my sleuthing hat to find out the truth.

For starters, I’ve got to take my hat off (the sleuthing hat, of course), to Cheapism for reviewing a remarkable range of products.  I mean really – the site reviews everything from cheap ebook readers to the best lipsticks for your buck.  Want to read about the best hotel chains?  You’ll find reviews and suggestions on Cheapsim.  Need cheap sunglasses to wear to your inexpensive hotel?  Ditto.

But as a conscientious consumer, what I really love about Cheapism is the way it tells you whether it’s worth it to buy a less expensive model or whether it’s recommended to pay a bit more for better quality.  For example, in their cheap mattress section, Cheapism’s editors write “Expert mattress reviews say the very cheapest mattresses — i.e., in the $200 price range — are not worth buying; they likewise suggest you avoid warehouse sales of no-name brands. “  In my humble opinion, that’s a rather brazen statement for a company striving to refine the bottom line.  As I’ve mentioned many times, paying the lowest price doesn’t necessarily mean that you’re getting the best deal.  Instead, you’ll need to make sure that you get the precise services you need for the best possible price.  And I’m glad that Cheapism’s experts agree with me.

What I find most interesting about Cheapism is that the site doesn’t claim to review all of the products on its own.  Instead, it relies upon the opinions of experts in the field and the reviews of other consumers in order to present comprehensive conclusions about a given market.  While I find this honesty refreshing, I also find it fantastic, because it means that I’m not just reading one person’s judgment about a given product, but a conclusion that was well-researched and grounded in multiple valid opinions.

Cheapism is a great website for consumers looking to save both time and money on their next purchase.  With Cheapism you can safely suppress your urge to read thousands of reviews and you can find the best prices on hundreds of products without having to check multiple stores or websites.  And because in today’s world time is money, you’ll be saving double.  Now that’s a sweet deal!

Free Shipping Deals Going on This Week

Tuesday, August 10th, 2010

It’s back-to-school season, which means that nearly every retailer is interested in snagging you as a customer. Free ShippingTo sweeten the deal, many stores are offering free shipping for orders online.  Although a minimum purchase is usually required, taking advantage of free shipping (and other sales that are going on now) can help you save big.  I happen to love shopping online because it saves on gas and time, and, perhaps most importantly, it prevents me from throwing last-minute items into my cart (except, of course, when I have to purchase a minimum).  Here are some great free shipping deals going on now – it definitely can’t hurt to take a look!

Ae.com (American Eagle Outfitters) – Free shipping on all AE jeans until August 17.

Amazon.com – Free 2-day shipping for students for a year with a free Amazon Prime membership.   No expiry mentioned.

AmericanApparel.com – Free shipping on all orders until August 11, 2010.

BananaRepublic.gap.com – Free shipping on orders $50+.  Use coupon code BRFREE50 at checkout.  Offer good until August 15.

DSW.com – Free shipping on orders of $35+ with coupon code SHIPR.  Free club membership required.  Offer good through September 12.

Gap.com – Free shipping on all purchases over $50 until August 16.

JCPenney.com – Free shipping on orders over $49.  Free shipping on all shoe orders.

Kmart.com – Free shipping on orders $49+ of all mailable clothing, backpacks, jewelry, footwear and office supplies.  All netbooks and laptops ship for $1.99.  Offer good until August 14th.

OfficeMax.com – Free shipping on most orders over $50.

NeimanMarcus.com – Free shipping on all orders until August 16.  Use coupon code NMAUG at checkout.

Sears.com – Free shipping on all apparel, shoes and accessories for orders that are $49+.  Excludes Lands’ End products.  You can also get $10 off your children’s clothing purchase with coupon code 10OFF50KIDS.

Shutterfly.com – Free shipping on orders $30+.  Use code SHIP30 at checkout.  Deal claims to be a limited time offer, although no details are available.

Staples.com – Free delivery on orders over $50.  No expiry noted.  Free shipping to your local Staples store with all phone and online orders.

ToysRus.com – Free shipping (valued up to $25) on orders over $75.  This is a time-sensitive offer although there is no mention of how long it will be available.

VictoriasSecret.com – Buy any full-priced bra and get free shipping on your entire order with coupon code SHOPVSBRA.  Offer good until August 12.

5 Places to Get Clothing for $5

Monday, July 5th, 2010

I’ll let you in on a secret – my summer wardrobe is nearly double the size of my winter wardrobe.  This is partly because I enjoy putting on my ‘play clothes’ when the sun is still out (which I can’t often do in the winter) and partly because summer clothing takes up less space in my closet (so I can fit five summer shirts in the space that I fit 2 oversized winter sweaters). But what I really love most about summer clothing is the ability to buy cheap brand name clothes – without waiting for the end of the season sales.  (Incidentally, those sales are great too, but that’s a topic for another time.)

I admit that I don’t only purchase brand name clothing, but there’s something surprisingly thrilling about getting cheap brand name clothes.  If you haven’t ever experienced this thrill, there’s never been a better time.  And if you have…well…there’s always a good reason to stock up while the savings are hot.  Here are five places to get cheap brand name clothes for $5 – act now before the stocks are gone or the sales are over!

  1. Old Navy – I’ve never been dissatisfied with an item from Old Navy.  Their shirts wear well, their pants fit beautifully and their styles are always trendy.  Right now Old Navy has t-shirts, tanks and flip-flops on sale for $5 or less.  I suggest that even if you don’t need any of these items right now, you check out what’s available so that you can stock up for next year.
  2. Aeropostale – With their $5 t-shirts n’ tanks sale, Aeropostale makes it possible to look casual without looking cheap.  The downside with Aeropostale is that their selection is markedly more limited than that at Old Navy for similarly styled and priced clothing.
  3. Payless Shoe Source – Their BOGO free flip sale sounds like a great opportunity, since the company’s flip flops start at only about $6/pair, which means that if you get two, each one will be about $3.  This offer is only available in-store only until today (July 5th) and is good for women’s flip flops only, but I’m still hoping that next year they’ll offer men’s styles as well.  After all, women aren’t the only people who enjoy changing their shoes frequently in the summer!
  4. Children’s Place – If you’re a bargain shopper I’d be surprised if you haven’t yet stumbled upon the great deals at the Children’s Place.  Not only is this store a great place to find affordable children’s clothing, but they have frequent sales on their already discounted styles.  The best part is that Children’s Place products last for years so you don’t have to worry that if you buy these cheap styles you’ll be getting cheap quality.  Right now the Children’s Place has shirts, hats, shoes, shorts and underwear for under $5.  Stock up on gifts or spoil your own children…for that price, you definitely can!
  5. Target – The price range on clothing at Target varies, and I’ve found that the store often has better deals on women’s clothing (as compared with men’s clothing).  Still, I’ve recently found some great Champion products on sale for $5 as well as some Mossimo styles.

And, since I get all excited about great deals, here are a few more ways to save:

  • Shop in the store to avoid paying for shipping (or, look for free shipping).
  • Use Ebates.  If you’re not familiar with Ebates, I implore you to check it out.  Ebates is a great way to get cash back with every purchase.  The downside is that they only pay you four times a year, the upsides is that means you’ll get a bigger check.  It’s almost like a cash-back credit card, without the annual fee!
  • Buy now, return later.  I can’t even believe I’m writing this, since I really hate returning things…but if you’re not 100% sure about a specific item and the sale will soon be over, make sure that you leave your options open by making the purchase now and returning the item later if you don’t like it.  One of the worst shopping offenses is to pay full price on an item that was recently on sale.  Of course, you should check the store’s return policy before implementing this system.

Happy Saving,

New Deals for the Week of April 11th

Sunday, April 11th, 2010

save-AprilIf you’re reading this article on Sunday or Monday morning, you may be feeling that this week started just  like every other week.  You work, you sleep, you play, you sleep…kinda just like every other week.  But there are 2 reasons why this week is unique (hey, that rhymes!):

1- Taxes are due.

2- There seem to be more new deals this week than usual, which means that even if you discover that you owe money to Uncle Sam, you’ll be able to save money moving forward.

I’ve chosen my 20 (yup, TWENTY!!) favorite new deals, but if you think there are any important ones that I’ve left out, please leave me a comment!

New Coupons:

1- Take 25% off at Babies R Us (and get a free reusable tote while supplies last).  This new deal is valid unitl April 22.

2- Save $3/1 Tucks pads (in some stores, this can mean it’s free!).

3- B1G1 free entrees at Panda Express – good until April 21.

4- Here’s a 15% off coupon for Kohl’s, good today only.

5- Here are some great new coupons from Rubbermaid.

6- Interested in organic food? Check out the Earth Month coupons from Whole Foods and save big.

7- Get 2 free travel size products from Bath & Body Works when you purchase 1 full size Signature Collection product. Good until April 13.

8- Take 30% off H&R Block premium tax preparation software (if you haven’t filed yet, this can help!).

9- Here are great coupons for Excedrin products (for headaches, migraines, body aches and other discomfort).

10- Here are some valuable Visine coupons (check out the anti-itch drops if you’ve got allergies like I do!).

New Freebies:

1- Get a free sample of Uncle Ben’s whole-grain rice, in either Chicken Medley or Roasted Garlic flavor.  (Note – this link may be down at some points, but it’s definitely worth trying back!)

2- Get a free sample of a chocolate cream flavored EAS Myoplex energy drink. This one may not expire until 2011, but it’s worth registering now, before they’re all gone.

3- Get a free sippy cup from Juicy Juice.

4- Get a free Land O’Lakes butter with olive oil when you purchase a product from a competing brand.  (Now that’s certainly an interesting marketing strategy!)

5- Become a fan of Einstein Bros. Bagels on Facebook, and get a free bagel every Friday between now and May 22.  While you’re there, become a fan of Billy.com to receive new deals, coupons and giveaways).

6- Get a free potty training DVD from Pull-Ups.

7- Snag this free potty training kit from Pampers.

8- Get a free guitar pick holder and 5 black picks from Prodlix.

9- I ordered my free photo book from HotPrints (with free shipping, they didn’t even ask for my credit card information!)…they are still offering them, so if you haven’t made one yet, now’s the time!

10- Use coupon code APR10BD to get free shipping from Snapfish, today only.  (If you’re planning on ordering heavy items like Mother’s Day mugs, now might be the time!).

Your Money-Saving March Shopping Guide

Tuesday, March 9th, 2010

There’s no question that March Madness is around the corner, but if you ask me, the madness will result from a fantastic March shopping spree, not some sweaty college guys running around the basketball court.  You may be surprised to learn that there are plenty of March deals, even though they aren’t as obvious as Christmas sales or end-of-season blowouts.  I’ve taken some time to compile a list of the best deals in March so that you will know what to buy in March while the savings are in peak season.

Did you know that March is frozen food month?  It may seem odd, since it’s still cold in many places, but you can get great deals in March on tons of frozen goods, and you can sock these away for busy weeknights or lazy summer evenings.  Here are some of my favorite finds:

- Save $1 on two Pillsbury Savorings products and BirdsEye Steamfresh varieties

- Save $1 on 3 Boston Market frozen entrees

- Save $1 on Bagel Bites

You can also expect to get great deals on fresh produce in March on products that are coming into season, including:

Artichokes

Asparagus

Grapefruit

Horseradish (interestingly, just in time for Passover)

Leeks

Lettuce

Oranges

Parsnips

Peas

Shallots

march-savingsOf course, if you’re in the market for bigger ticket items, there are some other great March deals that you should be aware of.  March is a good time to buy a house, for example, because it’s before the summer rush, and sellers may be desperate to unload their property sooner rather than later.  And, of course, because fewer people are looking to buy real estate at this time of year, you’ll have less competition on the homes that interest you.

If you’re looking for clothing, you can likely find great March deals on winter clothing, and you can hide your purchases for next year.  This arrangement works particularly well for buying children’s clothing and children’s gifts which are always good to have on hand.  Just last week, my mother bought OshKosh winter coats on sale at Syms for $5!  (Now you know who honed my aptitude for finding deals).  In March you can also find great prices on ski equipment that you can enjoy in future ski outings.

March is also a great time to purchase luggage,as falls squarely between winter break and the summer rush, and many luggage and travel stores are eager to drum up some business.  Luggage can also make a great wedding or graduation gift, so if you are already planning your summer calendar, you may want to take advantage of some of these great March deals.

Finally, March is a great time to buy a boat since merchants are often looking to unload last year’s stock and make room for this year’s models.  Much like you can find great prices on cars in August and September, March is the best time to find a great price on the boat of your dreams.

Have you found any great March deals that made your day?  Leave a comment and spread the savings!

Is There A Cheap Health Insurance Plan for Your Needs?

Monday, March 1st, 2010

Paying a (relatively) low monthly fee on your health insurance may sound appealing, until you’re faced with emergency fees because your coverage didn’t include certain parts of service that you needed.  If you’re in the market for a new (and affordable) health insurance plan, it’s worthwhile to evaluate your options and do serious research based on what specific needs you have.  The last thing you’d want to do is unknowingly pay for add-ons that you don’t need or want or to find out afterwards that your plan doesn’t cover services you need.  Here are some things to consider when shopping for affordable health insurance for yourself and your family.

  1. Health-InsuranceShop around for the best plans.  The internet can provide you with a list of health insurance options in your specific state.  If you live in New York, for example, you can find a comparison here:  http://www.ins.state.ny.us/health/chlthinf.htm.  And, of course, residents of any state can look for affordable health insurance on sites such as eHealthInsurance which offers health insurance quotes and comparisons similar to the way that Travelocity offers flight quotes.
  2. Get insurance through a group to lower your costs.  It’s no secret that companies, organizations and clubs get better deals on health insurance than individuals.  Some universities, for example, offer group discounts to alumni.  Even though the school won’t pay your premiums as an employer might, you can still benefit from a cheap health insurance plan through a group.
  3. Consider short term options. If you’re planning on (or hoping to) find a job soon, you may be best served by a short term health insurance policy.  You can also consider using a COBRA from your old plan until you find a job that offers health insurance or taking out a plan with no long-term commitment.  You may need to pay more per month for a short term option, but if you think it’s only temporary you’ll still see significant savings.
  4. Know your rights. In most cases, health related expenses aren’t tax deductible unless they exceed 7.5% of your salary.  What many people don’t know, however, is that self-employed individuals can get tax breaks even when their health insurance costs don’t cross this threshold.  Ask an accountant what the rules are in your area so that you can take advantage of these opportunities.
  5. Consider your specific needs. If you see doctors regularly you may want to consider a plan with a higher monthly fee instead of one with a higher co-pay.  This way, you won’t feel stressed every time you think about going to the doctor.  Likewise, if you need special services such as mental health services, you must make sure to inquire whether an affordable health insurance plan covers these expenses (and if so, how much they cover). 
  6. Research the doctors that accept different insurance plans. You should never sign on for a health insurance plan without knowing which doctors accept it.  Not only does this behavior increase the risk that you’ll have to go out of network to get good coverage, but it may prevent you from getting quality care on a regular basis.  If you’re generally healthy get a list of primary care physicians in your area and don’t be afraid to call them for references.  If you need special services check with those doctors as well.

In truth, there may not really be such a thing as ‘affordable’ health insurance for most people anymore.  Even if you don’t see doctors regularly, you’ll likely pay a serious sum of money each month just in case you need medical care.  Still, there are ways to limit the risks and expenses associated with health insurance so that you can enjoy a relatively cheap healthcare plan without compromising on too many services.  The right research for your needs and geographic location can help make this decision painless.