Cheaper Individual Medical Insurance: Suggestions For Better Quotes

A report proves that less than two out of every ten Americans have health insurance coverage of any kind. This is what the American Census Bureau reports. And this could have been worse if not for group health plans that have made health insurance possible for most of those who have it.

This raises a serious concern as this suggests that many Americans would be without health due to the withdrawal of group health insurance by many people. The rising cost of health care is responsible for this situation.

This means that for most people to have any form of health insurance, they would have to provide for themselves. The importance, therefore, of learning ways to get more affordable health insurance rates cannot be overemphasized. I will reveal some ways that will guarantee you reduce your health insurance costs...

1. Smokers attract individual health insurance rates that are twice or more that of people who don't smoke. Smokers are more liable to die young and are also more likely to have many deadly diseases.

This raises their risk to an insurance company and so raises their rates dramatically. It's within your power to quit smoking and then apply again after 12 months if you want to see your rates brought low by 50 percent.

2. Overweight people pay far higher rates than people with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.

A high Body Mass Index will always attract a high rate all other things being equal. When your BMI rating is high it simply means that your weight is too much for your height. And don't think that you'll get savings only when you lose fifty pounds, just losing a few pounds will lower your rates once it lowers your Body Mass Index rating.

3. The use of tobacco in any form will increase your rates. People who snuff or chew tobacco will also get higher rates than people who don't

Therefore, for your wellbeing and cheaper individual health insurance rates, quit using any tobacco product.

4. Believe it or not, your driving culture can have a negetive effect on your health insurance rate. Speeding tickets and other traffic offences can effectively increase your health insurance premium. The simple reason is that if you're such a driver, you will more probably require medical attention for injuries than a very cautious driver.

Therefore, good driving does not only help your auto insurance, it also gives you cheap rates in health insurance. Sports cars and power bikes will raise your rates since they make you a higher risk. The higher probability of a crash means you could be injured and require to make a claim.
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