Low Cost Individual Health Insurance -- Things You Can Do To Attract It

To what extent have you gone in positioning yourself to get the lowest individual health insurance rates? Have you restricted yourself to only tips that your friends shared with you a long time ago? Are you really certain you've looked at all the ways there are to massive savings? Then see if you've thought of these...

1. You can insure your kids through state plans if you want to reduce your cost. There are normally eligibility requirements.

These plans are usually either free or almost free. These plans can reduce your expenses by a huge margin if your child has a special illness that will cost you much if you insure them with traditional insurance carriers.

2. Despite the fact that a good number of individuals know that smoking adds to their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. For example, you'll pay a higher rate if you chew or snuff tobacco.

Staying clear of all tobacco products will help you get less expense in health insurance.

3. You can bring down your spend by using free clinics. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks and much more. Some communities provide such facilities and some may just be part of a group's social responsibility program.

4. That excess weight will make you spend more in health insurance. Your BMI or Body Mass Index is a very important factor used to define your risk to a health insurance carrier.

If your BMI rating is high, your premium will be high. When your BMI rating is high it shows that your weight is too much for your height. And do not think that you'll get savings only when you lose 50 pounds, just losing a few pounds will lower your rates provided it alters your BMI rating.

5. You will spend far less and reduce your rates if you buy your prescriptions over the internet. Buying by telephone might as well give you lower prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. Howbeit, you will do well to check the company you are buying from so you do not endanger yourself. It's quite easy to verify by using a resource like BBB.

While we want to lower our health care spend we also have to make sure we safeguard our health.

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