Low Cost Individual Health Insurance -- Surefire Steps That Guarantee Lower Rates

How well have you done in your bid to cut your individual health insurance rate? Did you just give up after using the few tips you learnt then? Won't you love to get more tips since that will imply saving even much more? Then check if you've made use of the following...

1. There are state plans for little children that will reduce your expenses if you use them for your kids. There are criteria that must be met before you are deemed qualified for such.

They'll either cost you nothing or close to that so check to see if you are qualified. These state plans for kids will save you a ton of cash if you have a child with a special health condition when compared to what you'd pay if you go for regular health insurance.

2. Despite the fact that many people know that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. Those who snuff or chew tobacco will also get higher rates than individuals who don't

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

3. You can bring down your spend by taking advantage of free clinics. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. These clinics could be run by a community or rendered as community service by an organization.

4. People with excess weight pay far higher individual health insurance rates than those with normal weights. An insured's Body Mass Index (BMI) is a serious factor that affects how much an individual pays as rate.

A high Body Mass Index will always get a high 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 because dropping as little as 5 pounds can reduce your Body Mass Index rating which will result in more affordable rates.

5. Buying your prescriptions on the internet is a proven way to bring down your health care costs. You can as well get lower prices if you buy by phone. Companies who sell online have lower costs than brick and mortar businesses and this suggests that they can and (do sell) at cheaper prices. But to ensure you're buying from the right company, check. Organizations like BBB can tell you if a company should be trusted or not so don't fail to check.

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

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