Low Cost Individual Health Insurance - Advice For Better Quotes

17 percent of the American population doesn't have any kind of health insurance. This is what the American Census Bureau says. It is crucial to note that group health plans are the reason why the majority of these people who have health insurance can afford it.

This poses a big issue as this means that a larger number of Americans might be without health due to the withdrawal of group health insurance by many people. The rising cost of health care is the reason for this new development.

Consequently, if most of those who currently enjoy group health plans are to continiously have health insurance, then they'd have to get individual health insurance plans. And since it will really cost so much to have individual health insurance, steps to savings on health insurance would be seriously appreciated.. I will make you know a number of ways that will help you lower your health insurance premium...

1. Smoking will make you pay very high individual health insurance rates. Smokers are more liable to die untimely and are also more likely to suffer many deadly diseases.

This increases their risk to a health insurance carrier and therefore raises their rates dramatically. Once you stop smoking for up to twelve months tell your current insurer or reapply to another insurer and you'll experience a remarkable slash in your premium.

2. Shed excess weight and your rates will reduce. There's something known as Body Mass Index (BMI). It is used to determine a prospect's rates.

A high BMI will always result in an expensive rate all other things being equal. The more extra weight you have for your height and sex the higher your BMI rating will be. Now do not wait until when you can lose thirty pounds since dropping five pounds can drop you into a lower BMI rating which will result in cheaper rates.

3. Notwithstanding the fact that most individuals know 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 pay a higher premium if you chew or snuff tobacco.

Therefore, for your wellbeing and less expensive individual health insurance rates, stop using any tobacco product.

4. A bad driving history can make you pay higher health insurance rates. If you have many speeding tickets or a history of street racing you will pay much more. The simple reason is that if you're such a driver, you will most likely need medical attention for injuries than a very careful driver.

You will lower your costs if you develop a the right attitude behind wheels. Super-fast automobiles like sports cars and super bikes will make you pay a higher health insurance rate. The higher likelihood of a crash means someone could be wounded and have to make a claim.
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