Cheaper Individual Health Care Insurance: Tips For Better Rates

A report proves that not up to 2 out of every ten Americans have health insurance coverage of any kind. This is culled from a report by the American Census Bureau. And this could have been worse but to the contrary,it was group health plans that have made health insurance possible for the majority of people who have it.

This becomes a serious issue as this suggests that a larger number of Americans might not have health due to the withdrawal of group health insurance by many people. This is partly due to the rising cost of health care.

The only option for the majority who would like to have a health insurance coverage would be to buy individual health insurance. This means that, it will be a welcome development for such people if they can find ways of bringing down such health insurance cost by a huge margin.. It is my hope that this piece will reveal proven saving tips on health insurance...

1. Smokers get individual health insurance rates that are double or more that of persons who do not smoke. It is a sure truth that smokers are liable to many health conditions and that they also die young.

It costs health insurance carriers much more to provide health insurance to smokers due to the bad risk they are to them. It's within your power to abstain from smoking and then re-apply after twelve months if your desire is to see your premium reduced by 50 percent.

2. That extra weight will make you spend a lot in health insurance. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to a health insurance carrier.

If your Body Mass Index rating is high, your rates will be expensive. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. And do not think that you will get savings only when you lose fifty pounds, just losing a few pounds will lower your rates provided it lowers your Body Mass Index rating.

3. Despite the fact that most people have realized that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher rates.

Therefore, you'll help yourself get more affordable 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. If you have many charges on rough driving or a history of street racing you'll pay much more. This is because you will make yourself a worse risk to your health insurance provider.

You'll lower your rates if you cultivate a the right attitude behind wheels. If you use a fast muscle car or super bike, you'll likely pay a huge sum for health insurance. The higher likelihood of a crash means someone could be injured and require to make a claim.
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