Low Cost Individual Health Insurance: Advice For Better Quotes

You'll be amazed to know that almost 20 percent of all U.S citizens are without health insurance of any sort. This is what the U.S Census Bureau reports. It is crucial to note that group health plans are the reason why a high pecentage of these few who have health insurance can pay for it.

In spite of this, the sum of Americans not having health insurance may likely increase the reason being that most businesses are finding it too tasking to provide their employees with health care benefits. The rising cost of health care is the reason for this new development.

The only way left for those who would like to maintain a health insurance coverage is to buy individual health insurance. And, it will be a welcome development for such individuals if they can learn ways of reducing such health insurance cost remarkably.. I'll reveal a number of ways that will help you reduce your health insurance rates...

1. Smokers get individual health insurance rates that are twice or more that of persons who do not smoke. It is no longer debatable that smoking is the leading cause of cancer and other terminal diseases.

It costs insurance carriers a lot more to give health insurance to smokers due to their high risk. It's within your power to stop smoking and then apply again after 12 months if your desire is to see your rates reduced by fifty percent.

2. That extra weight will make you spend more in health insurance. There is something called Body Mass Index (BMI) which is used to calculate a prospect's rates.

The higher a person's Body Mass Index rating, the higher their premium will be. The more extra weight you have for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight since dropping even a few pounds could put you in another BMI rating which means more affordable premiums.

3. Using tobacco in any form will increase your rates. Chewing or snuffing tobacco, for example will cost you in higher rates.

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

4. If you drive recklessly then expect to pay higher health insurance rates. Being found guilty of traffic violation isn't only bad for your auto insurance rate it also affects your health insurance rates. An individual who drives recklessly might make a claim soon as they are more likely to need medical attention.

You'll lower your costs if you develop a the right attitude behind wheels. If you use a sports car or super bike, you'll likely pay a huge sum for health insurance. The simple reason remains that you increase the probability that you will make claims soon.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!