Low Cost Individual Health Insurance: Advice For Lower Rates

You'll be astonished to read that almost 20 percent of all American don't have health insurance of any type. This information can be relieable because it was released from the U.S Census Bureau. It's necessary to point out that group health plans are the reason why most of these few who have health insurance can afford it.

In spite of this, the number of Americans not having health insurance may probably grow due to the fact that most people are beginning to find it too costly to provide their workers with health care benefits. Health care cost is rising and a few of them can really remain profitable with such additional financial strain.

Consequently, if most people who currently enjoy group health plans are to continiously have health insurance, then they would have to look for individual health insurance plans. And, it will be a great help for such people if they can be shown ways of reducing such health insurance cost remarkably.. I will share some ways that will help you lower your health insurance costs...

1. Smokers pay individual health insurance rates that are twice or more that of people who don't smoke. It is a sure truth that smokers are vulnerable to various health conditions and that they also die young.

If smoking leads to certain health problems, then it makes a person a high risk and that calls for higher rates. It is within your power to quit smoking and then apply again after twelve months if you want to see your rates brought low by fifty percent.

2. People with excess weight pay far more expensive rates than people with normal weights. There's something called Body Mass Index (BMI). It is used to calculate a prospect's rates.

The higher an individual's BMI rating, the more expensive their rates will be. The more overweight you are for your height and sex the higher your BMI rating will be. Do your best to shed excess weight as dropping just a few pounds could put you in another BMI rating and result in more affordable rates.

3. It is now generally known that smoking will attract higher rates. What some might not understand is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

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. Being found guilty of traffic offences is not only bad for your auto insurance rate it also has an effect on your health insurance premium. An individual who drives roughly will more likely make a claim soon as they're more likely to require medical attention.

Therefore, good driving does not only save you much in your auto insurance, it also helps you get cheap rates in health insurance. If you use a sports car or power bike, you will likely pay a huge sum for health insurance. This is because they will more easily make you need medical attention because they have a higher risk of accidents.
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