Low Cost Individual Health Insurance -- Tested Recommendations That Attract Lower Rates

Have you succeeded in your bid to lower your individual health insurance rate? Did you simply stop at the few tips you learnt then? Won't you love to get more tips since that will imply more massive savings? I have many more guaranteed tips here...

1. You can insure your children through state plans if you need to reduce your spend. There are conditions that must be fulfilled before you are deemed eligible.

But check if you are eligible as this will cost you nothing or close to nothing in most cases. These state plans for children will save you a ton of cash if you have a child with a special ailment when compared to what you'd pay if you go for regular health insurance.

2. Notwithstanding the fact that many individuals have realized that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For example, you'll get a higher rate if you chew or snuff tobacco.

So for your wellbeing and lower rates, stop using any tobacco product.

3. You can bring down your costs by using free clinics. These will either bring down your co-payments or premium entirely. You can get professional medical advice, blood pressure checks and much more at such free clinics. Some communities have such facilities and some may just be part of a group's social responsibility program.

4. People with excess weight pay far more expensive individual health insurance rates than individuals with normal weights. There's something known as Body Mass Index (BMI) which is used to calculate a prospect's rates.

A high BMI will always get 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. Now don't postpone it for when you can lose thirty pounds since shedding five pounds can drop you into a lower Body Mass Index rating which leads to lower rates.

5. You will spend far less and lower your costs if you buy your prescriptions online. You can also get cheaper prices if you buy by phone. Companies who sell through the internet have lower outlays than brick and mortar businesses and this means that they can and (do sell) at cheaper prices. However, you will do well to check the company you're buying from so you do not endanger yourself. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

This is really very important as you won't want to risk your health in the name of making savings. If you verify whom you buy from you'll save much while getting the best.

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