Low Cost Individual Health Insurance -- Ways To Enjoy It

To what extent have you gone in taking steps to attract the lowest individual health insurance rates? Have you restricted yourself to a few tips that you got a years ago? Are you really certain you've learnt all the steps there are to take to massive savings? Then see if you've thought of these tips...

1. There are state plans for kids that will save you much if you get them for your children. There are normally eligibility requirements.

They'll either be totally free or require very little payment so check to see if you're qualified. These state plans for children will save you a ton of cash if you have a child with a special health condition when compared to what you would spend if you go for regular health insurance.

2. The use of tobacco in any form will add to your individual health insurance rates. Chewing or snuffing tobacco, for example will cost you in higher rates.

Staying clear of all tobacco products will result in less expense in health insurance.

3. Making use of free clinics will help you bring down your cost. They will either lower your co-payments or premium as a whole. You can get professional medical advice, blood pressure checks and much more at such free clinics. Clinics like these are usually some form of community service.

4. Shed excess weight and your individual health insurance premium will reduce. Your BMI or Body Mass Index is a very important factor used to calculate your risk to an insurer.

A high BMI will always attract a high premium all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. Do your best to shed excess weight as dropping just a few pounds could put you in another BMI rating and result in lower premiums.

5. You will spend far less and reduce your rates if you buy your prescriptions over the internet. You can also be given affordable prices if you buy by phone. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. But if you've chosen to buy online try to find out a little about whom you are buying from because there are wolves on the internet. It is very easy to be sure by using a resource like BBB.

Don't forget that while we want to reduce costs we also want to avoid risks. If you do a good check you will save much while getting the best.

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