Can You Negotiate Health Insurance Rates?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    No!  Each company files their rates with the State and must be approved by the State.  No agent or internet entity can offer you a discount or reduce the rates when you are comparing the same policy with the same company. It is illegal for an agent to induce purchase by offering a rebate on premium.  Many internet companies providing quotes on their web site provide preferred rates when quoting.  The fact is however that when a person applies for coverage, the company will determine the final rate.  So if a person does not qualify for preferred rates, the rate he or she actually receives will be higher than quoted.
    Answered on June 15, 2013
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