Cheaper Individual Health Care Insurance - Suggestions For Better Quotes

A study proves that not up to 2 out of every ten Americans have health insurance coverage of any type. This is culled from a report by the U.S Census Bureau. And this would have been worse but to the contrary,it was group health plans that have made health insurance cheap enough for most of those who have it.

This becomes a big issue as this suggests that many Americans would not have health due to the withdrawal of group health insurance by many employers. This development is a fall-out of the high cost of health care.

This implies that for most people to have any form of health insurance, they'd have to provide for themselves. And since it will typically cost a lot more to get individual health insurance, savings tips on health insurance would be helpful.. Let's see some tips to lower your individual health insurance premium.

1. Smokers attract individual health insurance rates that are twice or more that of people who don't smoke. Smokers are more likely to die at a tender age and are also more likely to contract many deadly diseases.

This multiplies their risk to an insurer and so raises their rates dramatically. It is up to you to quit smoking and then re-apply after 12 months if you want to see your premium reduced by 50 percent.

2. That extra weight will make you spend more in health insurance. An insured's Body Mass Index (BMI) is a serious factor that determines what an individual pays as rate.

A high BMI will always result in a high premium all other things being equal. You're overweight for your height and sex if your BMI is high. Put more effort into shedding excess weight because losing as little as a few pounds could give you another Body Mass Index rating and result in cheaper rates.

3. It's now generally understood that smoking causes higher rates. What people might not appreciate is that the same also applies if you use any other form of tobacco product. Individuals who snuff or chew tobacco will also get higher rates than people who don't

Staying off all tobacco products will help you get less expense in individual health insurance.

4. Believe it or not, the way you drive can have a negetive effect on your health insurance rate. If you have many speeding tickets or a record of street racing you will pay much more. Any person who drives roughly will more likely make a claim soon as they are more likely to require medical attention.

Improving your driving history and developing a good driving habit will reduce your rates. Super-fast automobiles like sports cars and power bikes will make you pay a more expensive health insurance rate. This is because they are more likely to make you need medical attention due to their higher risk of accidents.
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