Cheap Individual Health Care Insurance - Suggestions For Lower Quotes

A report indicates that less than two out of every 10 Americans have health insurance coverage of any class. This report can be trusted because it is from the U.S Census Bureau. And this would have been worse knowing that it was group health plans that have made health insurance possible for the majority of those who have it.

This, regrettably, may soon history as many businesses might soon remove group health insurance from their employment packages as they are becoming quite a strain on their businesses. The increasing cost of health care is responsible for this new development.

Consequently, if most of those who currently enjoy group health plans are to continue having health insurance, then they would have to get individual health insurance plans. The necessity, therefore, of learning ways to get cheaper health insurance premiums cannot be overemphasized. It is my hope that this write -up will reveal sure-fire ways to save on health insurance...

1. Smoking will make you pay expensive individual health insurance rates. It is a well known fact that smokers are liable to various health conditions and that they don't live long.

It costs insurance carriers a lot more to give health insurance to smokers on account of the bad risk they are to them. Once you stop smoking for up to twelve months inform your current insurer or reapply to some other insurer and you will see a remarkable slash in your premium.

2. Lose weight and your premium will drop. There is something called Body Mass Index (BMI) which is used to determine a prospect's rates.

The higher a person's Body Mass Index rating, the higher their premium will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. And do not think that you'll get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates provided it alters your BMI rating.

3. It's now commonly known that smoking causes higher rates. What some 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 get higher rates than individuals who don't

So, 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 expensive health insurance rates. Rough driving charges and other traffic violations can effectively increase your health insurance premium. Any person who drives recklessly might make a claim soon as they're more likely to require medical attention.

You will reduce your costs if you cultivate a the right attitude behind wheels. If you drive a fast muscle car or super bike, you'll likely pay a huge sum for health insurance. This is because they are more likely to cause you injuries because they have a higher risk of accidents.
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