Health Insurance -- Seven Ways To Bring Down Cost

Are you interested in sure-fire steps to enjoy inexpensive rates for coverage that won't put you in trouble later? Then read through and apply the following well-proven tips for paying a lot less...

1. Shed excess weight and your rates will be lower. There's something known as Body Mass Index (BMI). It is used to determine a prospect's rates.

If your Body Mass Index rating is high, your premium will be high. If your Body Mass Index rating is high it shows that your weight is too much for your height. Now do not wait until when you can lose thirty pounds since losing as little as 5 pounds can drop you into a lower Body Mass Index rating which leads to cheaper rates.

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2. It is now clearly understood that smoking will attract higher rates. What many might not understand is that the same also applies if you use any other form of tobacco product. People who snuff or chew tobacco will also attract higher rates than people who don't

So for your wellbeing and cheaper rates, quit using any tobacco product.

3. Take it or not, your driving culture can have a negative effect on your health insurance rate. Speeding tickets and other traffic offences can seriously increase your health insurance premium. The simple reason is that if you are such a driver, you will most likely require medical attention for injuries than a very cautious driver.

Hence, good driving does not only help your auto insurance, it also gives you lower rates in health insurance. Fast muscle cars and power bikes will raise your premium because they make you a bad risk. This is because they will more easily cause you injuries because they have a higher risk of accidents.

4. An inexpensive rate is is desirable, however, it's advised that you don't become beclouded by making it the only factor. You should be wary of a very low quote that does not give you a good value to price ratio. And, shopping the right way is crucial to landing the best rate to value. But be prepared to pay a little more if necessary to get the right coverage for you.

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5. Go for catastrophic health insurance rather than the traditional plan if you rarely fall take ill and you'll get better rates. For those who might not know what it is, it's a type of plan that provides coverage if you fall ill suddenly or get involved in an accident.

The best part of this policy is normally appreciated in cases where the illness or accident makes the patient incur very high medical bills that would otherwise wipe out most people's life savings. That's the reason it's protection against catastrophic illness or accidents. Catastrophic health insurance premiums are generally very cheap.

What are usually high are the deductibles which can be as high as $2,000. However, bearing in mind that you are protecting yourself from accidents or health conditions that would cost tens of thousands of dollars such deductibles are not really that high -- Relatively.

6. A Flexible Spending Account is helpful as you look for ways to save. This type of account is meant for you to save tax-free dollars specifically for your health needs. You can in addition roll over any amount you didn't use in one year to the next tax-free. You can build a considerable reserve of money for your health care needs tax-free if you open a Flexible Spending Account.

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7. Stop drinking if you want to pay lower rates. Drinking irresponsibly makes you a bad risk and so increases your rates.

Drinking is the source of a good number of ailments and that is apart from the fact that it definitely will increase your risk to health insurance providers.

What quantity of alcohol can you take without any side effect? I cannot advise you on that since I am not specialized on such issues.

What I know is the fact that quitting alcohol use is good for you. So you can lower your rates (Apart from reducing the likelihood of developing certain ailments) by staying away from alcohol if you can or drinking responsibly if you can't.

The only problem is that people who say they can't help drinking most often can't drink in moderation. You can be assisted if you truly want to stop drinking.
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