Low Cost Individual Health Insurance -- Tips That Will Make It Easy

How far have you gone in taking steps to attract very affordable individual health insurance rates? Have you limited yourself to just ideas that you got a years ago? Are you really certain you've looked at all the steps there are to take to save considerably? I have many more time-tested tips here...

1. There are state plans for little children that will spend if you use them for your children. There are conditions that must be met before you are deemed qualified for such.

They'll either cost you nothing or require very little payment so check to see if you are qualified. These state plans for kids will save you a lot of cash if you have a child with a special ailment when compared to what you would pay if you buy regular health insurance.

2. Even though a good number of individuals know that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For example, you will pay a more expensive premium if you chew or snuff tobacco.

So for your health and cheaper rates, stop using any tobacco product.

3. You can lower your costs by taking advantage of free clinics. They will either reduce your co-payments or rate as a whole. They are good opportunities for you to get professional medical help and have routine check up. Some communities have such clinics and some may just be part of a group's social responsibility program.

4. Overweight people attract far more expensive individual health insurance rates than people with normal weights. There is something called Body Mass Index (BMI) which is used to calculate a prospect's rates.

If your Body Mass Index rating is high, your premium will be high. You're overweight for your height and sex if your BMI is high. Now don't postpone it for when you can lose 30 pounds since dropping 5 pounds can reduce your BMI rating which leads to cheaper rates.

5. You will spend far less and lower your costs if you buy your prescriptions over the internet. You can also get cheaper 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 lower rates. But to ensure you're buying from the right company, check. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

Always remember that while we want to reduce costs we also want to stay safe. Checking with BBB online and other such services will put you on the safe side while you buy at more affordable prices online.

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