Low Cost Individual Health Insurance -- Proven Tips That Attract Lower Rates

How well have you done in your quest to reduce your individual health insurance costs? Did you simply give up after using the few recommendations you got then? Won't you like to get more tips since that will mean more massive savings? Then check if you've applied these...

1. There are state plans for little children that will reduce your expenses if you get them for your children. Nevertheless, not everyone is eligible to use these plans.

They will either cost you nothing or require very little payment so check to see if you are qualified. These state plans for kids will save you a ton of cash if you have a child with a special health condition when compared to what you would pay if you buy regular health insurance.

2. Using tobacco in any form will add to your individual health insurance rates. Those who snuff or chew tobacco will also pay higher rates than people who don't

So for your health and less expensive rates, stop using any tobacco product.

3. Go for free clinics if you want to lower your spend. These will either bring down your co-payments or rate entirely. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. Some communities have such clinics and some may just be part of a group's community service.

4. People with excess weight pay far more expensive individual health insurance rates than individuals with normal weights. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.

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 Body Mass Index is high. Put more effort into shedding excess weight because losing even a few pounds could give you another BMI rating and result in more affordable premiums.

5. It will cost you far less and reduce your rates if you buy your prescriptions online. You can as well get lower prices if you buy by phone. Companies who sell online have lower overheads than brick and mortar businesses and this implies that they can and (do sell) at cheaper prices. But to ensure you are buying from a good company, check. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

Don't forget that while we want to save costs we also want to stay safe.

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