Low Cost Individual Medical Insurance: Advice For Lower Rates

A study indicates that not up to two out of every ten Americans have health insurance coverage of any type. This is based on a report by the U.S Census Bureau. And this would have been worse if not for group health plans that have made health insurance possible for the majority of those who have it.

This, regrettably, may soon history as many business owners might soon start withdrawing group health insurance from their employment packages since they are becoming quite a strain on their businesses. The increasing cost of health care is the reason for this new development.

The only way left for those who would want to have a health insurance coverage is to get individual health insurance. And since it will really cost so much to have individual health insurance, steps to savings on health insurance would be seriously appreciated.. Hopefully, this article will make you know sure-fire ways to save on health insurance...

1. Smokers pay individual health insurance rates that are double or more that of persons who do not smoke. Smokers are more likely to die young and are also more likely to contract many harmful diseases.

This raises their risk to an insurer and so raises their rates considerably. Once you quit smoking for up to 12 months inform your present insurer or reapply to some other insurer and you will see a remarkable drop in your rates.

2. People with excess weight attract far more expensive rates than those with normal weights. An insured's Body Mass Index (BMI) is a serious factor that determines what a person pays as rate.

A high BMI will always attract an expensive premium all other things being equal. Your weight is too much for your height and sex if your BMI is high. Now don't wait until when you can lose 30 pounds since losing 5 pounds can drop you into a lower Body Mass Index rating which will result in more affordable rates.

3. The use of tobacco in any form will add to your rates. Individuals who snuff or chew tobacco will also pay higher rates than individuals who don't

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

4. A poor driving record can make you pay higher health insurance rates. Rough driving charges and other traffic violations can seriously increase your health insurance premium. Any person who drives roughly might make a claim shortly as they're more likely to need medical attention.

Hence, good driving doesn't only help your auto insurance, it also helps you get cheap rates in health insurance. If you drive a fast muscle car or power bike, you will likely pay a huge sum for health insurance. This is because they will more easily make you need medical attention due to their higher risk of accidents.
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