Low Cost Individual Health Insurance -- Steps You Can Take To Find It

To what extent have you gone in ensuring you get the lowest individual health insurance rates? Have you limited yourself to a few recommendations that you got a long time ago? Are you really certain you've exhausted all the ways there are to massive savings? I have many more time-tested tips here...

1. There are state plans for little children that will spend if you get them for your children. There are conditions that must be fulfilled before you are deemed qualified for such.

These plans are usually either free or cost very little. These plans can reduce your expenses by a huge margin if your kid has a special illness that will cost you much if you insure them with private insurance companies.

2. It is now clearly understood that smoking causes higher individual health insurance rates. What many might not appreciate is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher rates.

Staying off all tobacco products will result in cheaper health insurance.

3. You can bring down your costs by using free clinics. They are good opportunities for you to get professional medical help and have regular check up. These clinics could be operated by a community or as a form of community service by an organization.

4. People with excess weight pay far higher individual health insurance rates than those with normal weights. There is something known as Body Mass Index (BMI) which is used to determine a prospect's rates.

A high Body Mass Index will always result in an expensive premium all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Now don't postpone it for when you can lose 30 pounds because dropping as little as five pounds can drop you into a lower Body Mass Index rating which will result in lower rates.

5. You will spend far less and reduce your costs if you buy your prescriptions online. You can also get affordable prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper rates. But to ensure you're buying from the right company, check. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

Always remember that while we want to save costs we also want to avoid risks. If you verify whom you buy from you will save much while getting the best.

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