Cheaper Individual Health Insurance - Advice For Lower Rates

You'll be amazed to learn that almost 20% of all U.S citizens are without health insurance of any kind. This information can be trusted because it was issued from the U.S Census Bureau. And this would have been worse if not for group health plans that have made health insurance affordable for most of those who have it.

This, unfortunately, may soon history as many employers might soon exclude group health insurance from their employment allowance since they are becoming quite a strain on their businesses. Health care cost is rising and not many of them can simply keep up with the obligation.

The only way left for those who would like to have a health insurance coverage is to get individual health insurance. The benefits, therefore, of learning ways to get lower health insurance premiums can't be overemphasized. let us see some ways you can reduce your individual health insurance costs.

1. Say 'No'to smoking if you desire cheaper individual health insurance. Smokers are more liable to die at a tender age and are also more likely to have many harmful diseases.

It costs insurance companies much more to provide health insurance to smokers because of their high risk. If you can abstain from smoking you'll get rates that are remarkably reduced when you reapply after twelve months.

2. That extra weight will make you spend a lot in health insurance. Your BMI or Body Mass Index is a very serious factor used to define your risk to an insurer.

If your Body Mass Index rating is high, your rates will be expensive. Your weight is too much for your height and sex if your BMI is high. Now don't wait until when you can lose thirty pounds because losing 5 pounds can drop you into a lower Body Mass Index rating which leads to lower rates.

3. The use of tobacco in any form will increase your rates. Chewing or snuffing tobacco, for example will cost you in higher rates.

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

4. Believe it or not, your driving culture can affect your health insurance rates negatively. Rough driving charges and other traffic violations can effectively add to your health insurance premium. The simple reason is that if you are such a driver, you will more probably need medical attention for crash related injuries than a very careful driver.

Improving your driving history and developing a good driving culture will reduce your rates. Extra powerful automobiles like sports cars and power bikes will make you pay a more expensive health insurance rate. The simple reason remains that you raise the chances that you will make claims soon.
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