Low Cost Individual Health Insurance: Tips For Better Quotes

You'll be amazed to learn that almost twenty percent of all U.S citizens are without health insurance of any kind. This is what the American Census Bureau says. Besides, a a lot of those who have any type of coverage can afford it only because of group health plans.

Though, the number of Americans without health insurance may likely increase due to the fact that most people are finding it too costly to provide their staff with health care benefits. This situation is a fall-out of the high cost of health care.

This suggests that for most people to have any form of health insurance, they would have to provide for themselves. The importance, therefore, of discovering how to get lower health insurance rates cannot be overemphasized. Hopefully, this article will make you know proven saving tips on health insurance...

1. Smoking will always attract very high individual health insurance rates. It is a well known fact that smokers are vulnerable to many health conditions and that they also die young.

If smoking causes certain health problems, then it makes an individual a high risk and that calls for higher rates. Once you quit smoking for about twelve months tell your present insurer or reapply to some other insurer and you will see a considerable slash in your premium.

2. Lose weight and your rates will drop. An insured's Body Mass Index (BMI) is a serious factor that affects how much a person pays as rate.

If your Body Mass Index rating is high, your rates will be high. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Now do not wait until when you can lose 30 pounds because shedding as little as five pounds can reduce your Body Mass Index rating which leads to lower rates.

3. Using tobacco in any form will add to your rates. For instance, you'll pay a more expensive premium if you chew or snuff tobacco.

Therefore, you'll help yourself attract less expensive individual health insurance rates if you avoid tobacco use in any form.

4. A bad driving history can make you pay higher health insurance rates. Speeding tickets and other traffic offences can seriously increase your health insurance premium. An individual who drives recklessly might make a claim soon as they're more likely to need medical attention.

Improving your driving history and developing a good driving culture will reduce your rates. If you use a fast muscle car or power bike, you will likely pay a huge sum for health insurance. The higher probability of a crash means you could be wounded and need to make a claim.
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