Cheaper Individual Health Care Insurance: Tips For Better Rates

You will be surprised to read that almost twenty percent of all U.S citizens are without health insurance of any sort. This is culled from a report by the U.S Census Bureau. It is necessary to note that group health plans are the reason why a high pecentage of these few who have health insurance can obtain it.

However, the number of Americans not having health insurance may likely grow due to the fact that most businesses are finding it too tasking to provide their staff with health care benefits. The rising cost of health care is the reason for this situation.

This suggests that for most persons to have any kind of health insurance, they'd have to provide for themselves. And because it will naturally cost a lot more to buy individual health insurance, savings tips on health insurance would be helpful.. It is my belief that this article will uncover proven ways to save on health insurance...

1. Quit smoking if you desire cheaper individual health insurance. Smokers are more liable to die at a tender age and are also more likely to suffer many deadly diseases.

If smoking causes some kinds of health problems, then it makes an individual a high risk and that attracts higher rates. Once you stop smoking for up to twelve months tell your current insurer or reapply to some other insurer and you will see a considerable reduction in your premium.

2. People with excess weight attract far higher rates than people with normal weights. Your BMI or Body Mass Index is a very useful factor used to define your risk to an insurer.

The higher a person's BMI rating, the higher their premium will be. You're overweight for your height and sex if your Body Mass Index is high. Now do not wait until when you can lose 30 pounds since dropping 5 pounds can reduce your Body Mass Index rating which leads to lower rates.

3. Notwithstanding the fact that most people have realized that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. For instance, you will get a higher premium if you chew or snuff tobacco.

Therefore, you'll help yourself attract more affordable individual health insurance rates if you stay away from tobacco use in any form.

4. If you drive irresponsibly then expect to pay expensive health insurance rates. Speeding tickets and other traffic offences can seriously add to your health insurance premium. An individual who drives recklessly might make a claim soon as they're more likely to need medical attention.

Therefore, good driving does not only help your auto insurance, it also gives you cheap rates in health insurance. Extra powerful automobiles like sports cars and super bikes will make you pay a more expensive health insurance premium. The plain reason remains that you raise the chances that you'll make claims soon.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!