Affordable Individual Health Insurance: Recommendations For Lower Quotes

A report shows that less than 2 out of every 10 Americans have health insurance coverage of any class. This information can be trusted because it comes from the U.S Census Bureau. Besides, a many of those who have any kind of coverage are able to afford it just because of group health plans.

However, the sum of Americans without health insurance may probably grow the reason being that most businesses are beginning to find it too tasking to give their employees health care benefits. The increasing cost of health care is responsible for this new development.

This means that for most people to have any kind of health insurance, they would have to provide for themselves. And, it will be a welcome development for such individuals if they can be shown ways of lowering such health insurance cost considerably.. It is my hope that this article will show you time-tested saving tips on health insurance...

1. Smokers get individual health insurance rates that are twice or more that of people who do not smoke. Smokers are more likely to die at a tender age and are also more likely to suffer many deadly diseases.

If smoking leads to some kinds of health problems, then it makes a person a high risk and that attracts higher rates. Once you stop smoking for about twelve months inform your present insurer or reapply to some other insurer and you'll experience a dramatic reduction in your rates.

2. People with excess weight pay far more expensive rates than people with normal weights. Your BMI or Body Mass Index is a very important factor used to define your risk to a health insurance carrier.

A high BMI will always result in a high rate all other things being equal. Your weight is too much for your height and sex if your BMI is high. Now don't postpone it for when you can lose 30 pounds because dropping five pounds can drop you into a lower Body Mass Index rating which will result in lower rates.

3. It is now commonly known that smoking will attract higher rates. What many might not know is that this is also true if you use any other form of tobacco product. People who snuff or chew tobacco will also pay higher rates than people who don't

Therefore, for your wellbeing and less expensive individual health insurance rates, quit using any tobacco product.

4. Believe it or not, your driving culture can affect your health insurance rates negatively. Rough driving charges and other traffic offences can effectively add to your health insurance premium. The simple reason is that if you are such a driver, you will more probably need medical attention for injuries than a very careful driver.

You will lower your costs if you develop a better culture behind wheels. If you drive a sports car or power bike, you'll likely pay a huge sum for health insurance. The simple reason remains that you increase the chances that you'll make claims soon.
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