Low Cost Individual Health Insurance -- Things That Will Guarantee It

Have you succeeded in your bid to reduce your individual health insurance costs? Have you limited yourself to just recommendations that you got a long time ago? Won't you love to learn more if that will translate to saving even much more? Then see if you've made use of these tips...

1. There are state plans for little children that will save you much if you get them for your kids. Howbeit, not everyone can benefit from these plans.

But check if you're eligible as this will cost you nothing or close to nothing in most cases. These state plans for kids will save you a ton of cash if you have a child with a special ailment when compared to what you'd pay if you go for traditional health insurance.

2. It's now commonly known that smoking causes higher individual health insurance rates. What some might not know is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

Therefore, for your wellbeing and lower rates, stop using any tobacco product.

3. You can lower your costs by using free clinics. These are free ways for you to get professional medical help and have routine check up. Some communities provide such clinics and others may just be part of a group's community service.

4. Reduce you weight and your individual health insurance rates will be lower. Your BMI or Body Mass Index is a very important factor used to define your risk to a health insurance carrier.

If your Body Mass Index rating is high, your rates will be high. If your BMI rating is high it simply means that your weight is too much for your height. Do your best to shed excess weight since dropping just a few pounds could put you in another Body Mass Index rating and result in more affordable rates.

5. Buying your prescriptions on the internet is a proven way to reduce your health care spend. You can also be given cheaper prices if you buy by phone. Companies who sell through the internet have lower costs than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. Howbeit, you'll do well to check the company you are buying from so you don't endanger yourself. Organizations like BBB can tell you if a company is trustworthy or not so do not fail to check.

While we want to reduce our health care spend we also have to make sure we safeguard our lives.

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