Low Cost Individual Health Care Insurance: Tips For Lower Quotes

A report indicates that not up to 2 out of every 10 Americans have health insurance coverage of any class. This is based on a report by the U.S Census Bureau. And this could have been worse knowing that it was group health plans that have made health insurance affordable for the majority of people who have it.

This poses a big issue as this suggests that many Americans might not have health due to the withdrawal of group health insurance by many businesses. Health care cost is increasing and not many of them can really remain profitable with such additional financial strain.

This suggests that for most persons to have any kind of health insurance, they'd have to fend for themselves. The importance, therefore, of discovering how to get more affordable health insurance premiums cannot be stressed enough. I'll teach a number of ways that will help you reduce your health insurance costs...

1. Smokers get individual health insurance rates that are double or more that of people who don't smoke. It's not disputable that smoking is the topmost cause of cancer and other killer diseases.

This raises their risk to an insurer and therefore raises their rates considerably. If you can quit smoking you will get rates that are remarkably more affordable when you reapply after 12 months.

2. Lose weight and your rates will be lower. An insured's Body Mass Index (BMI) is a serious factor that affects what a person pays as rate.

If your Body Mass Index rating is high, your premium will be high. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Now don't postpone it for when you can lose thirty pounds since losing five pounds can drop you into a lower Body Mass Index rating which leads to more affordable rates.

3. Despite the fact that most people know that smoking adds to their rates, they may not know that this also applies if they use other tobacco products. For instance, you will get a higher rate if you chew or snuff tobacco.

Therefore, you'll help yourself attract more affordable individual health insurance rates if you avoid tobacco use in any form.

4. A bad driving history can make you pay higher health insurance rates. Being found guilty of traffic offences isn't just bad for your car insurance rate it also affects your health insurance rates. This is because you'll become a greater risk to your health insurance provider.

Therefore, driving better doesn't only help your auto insurance, it also gives you lower rates in health insurance. Sports cars and power bikes will increase your rates since they make you a higher risk. The simple reason remains that you increase the probability that you'll make claims soon.
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