Low Cost Individual Health Insurance -- Steps That Will Make It Easier

Have you succeeded in your bid to lower your individual health insurance rate? Have you restricted yourself to a few recommendations that you got a years ago? Are you quite sure you've learnt all the ways there are to massive savings? Then check if you've made use of these...

1. You'll save by having your kids insured through state plans. There are conditions that must be fulfilled before you are deemed qualified for such.

They will either be totally free or require very little payment so check to see if you're qualified. If you have a kid with a special ailment, you'll spend less if you insure such a child through a state plan.

2. Despite the fact that a good number of individuals have realized that smoking increases their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. Chewing or snuffing tobacco, for example will cost you in higher rates.

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

3. Going for free clinics will help you lower your spend. Such free clinics will take care of simple things like giving you medical advice, blood pressure checks and much more. These clinics could be run by a community or rendered as community service by an organization.

4. Reduce you weight and your individual health insurance premium will reduce. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to a health insurance carrier.

The higher an individual's Body Mass Index rating, the more expensive their premium will be. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Do your best to shed excess weight since losing just a few pounds could give you another Body Mass Index rating and result in lower premiums.

5. Buying your prescriptions on the internet is a sure way to reduce your health care costs. You can also be given cheaper prices if you buy by phone. Drugs are more affordable online because the cost of running a business is considerably lower with the internet. But if you choose to buy online do all within your power to find out a little about whom you are buying from because there are wolves on the internet. Just go to BBB online and you'll know if you should buy from a specific company.

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

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