Cheaper Individual Medical Insurance -- Advice For Better Quotes

You'll be amazed to learn that almost twenty percent of all American don't have health insurance of any sort. This is based on a report by the American Census Bureau. In addition, a good number of people who have any kind of coverage are able to afford it only because of group health plans.

This raises a big concern as this suggests that a larger number of Americans might be without health due to the withdrawal of group health insurance by many people. The rising cost of health care is responsible for this situation.

Therefore, if most of those who are still enjoying group health plans are to continiously have health insurance, then they would have to get individual health insurance plans. And, it will be an advantage for such people if they can be shown ways of bringing down such health insurance cost considerably.. Let's see time-tested ways you can lower your individual health insurance rate.

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

This increases their risk to an insurance company and so raises their rates considerably. Once you quit smoking for about twelve months tell your present insurer or reapply to another insurer and you'll experience a remarkable slash in your premium.

2. Shed excess weight and your premium will be lower. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

The higher an individual's BMI rating, the higher their rates will be. The more extra weight you have for your height and sex the higher your BMI rating will be. Put more effort into shedding excess weight since dropping even a few pounds could give you another Body Mass Index rating and result in cheaper premiums.

3. Notwithstanding the fact that a good number of insurance prospects have realized that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. For instance, you'll get a more expensive rate if you chew or snuff tobacco.

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

4. If you drive irresponsibly then be prepared to pay higher health insurance rates. If you have many speeding tickets or a record of street racing you'll pay much more. This is because you'll become a bigger risk to your insurer.

You'll reduce your rates if you cultivate a better culture behind wheels. Super-fast automobiles like fast muscle cars and super bikes will make you pay a higher health insurance rate. The plain reason remains that you raise the probability that you'll make claims soon.
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