Low Cost Individual Health Insurance -- Time-Tested Steps That Guarantee More Affordable Rates

To what extent have you gone in taking steps to get the cheapest individual health insurance rates? Did you simply give up after using the few tips you learnt years ago? Won't you like to learn more if that will translate to more massive savings? Then check if you've made use of the following...

1. There are state plans for kids that will reduce your expenses if you get them for your kids. There are normally eligibility requirements.

These plans are usually either free or almost free. These state plans for children will save you a lot of cash if you have a child with a special ailment when compared to what you'd spend if you buy traditional health insurance.

2. Although a good number of people have realized that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. People who snuff or chew tobacco will also get higher rates than those who don't

Staying clear of all tobacco products will attract more affordable health insurance.

3. You can reduce your costs by using free clinics. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks etc. Some communities provide such clinics and some may just be part of a group's community service.

4. Lose weight and your individual health insurance rates will drop. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to an insurer.

A high Body Mass Index will always result in a high premium all other things being equal. If your Body Mass Index rating is high it shows that your weight is too much for your height. Put more effort into shedding excess weight because dropping just a few pounds could put you in another Body Mass Index rating and result in cheaper premiums.

5. You can reduce your costs by buying prescriptions online. Buying by telephone might also give you lower prices. Companies who sell online have lower costs than brick and mortar businesses and this means that they can and (do sell) at lower prices. But if you choose to buy online try to find out a little about whom you're buying from because there are wolves on the internet. Organizations like BBB can tell you if a company is trustworthy or not so don't fail to check.

While we want to reduce our health care spend we also need to ensure that we safeguard our lives. If you verify whom you buy from you'll save much while getting the best.

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