Low Cost Individual Medical Insurance: Suggestions For Lower Rates

17% of the American population does not have any type of health insurance. This is culled from a report by the American Census Bureau. And this could have been worse knowing that it was group health plans that have made health insurance affordable for a good portion of people who have it.

In spite of this, the sum of Americans not having health insurance may likely increase because most employers are beginning to find it too burdensome to give their staff health care benefits. The increasing cost of health care is responsible for this situation.

The only way left for the majority who would like to have a health insurance coverage would be to buy individual health insurance. The necessity, therefore, of discovering ways to get lower health insurance premiums can't be overemphasized. Let's see several steps to bring down your individual health insurance premium.

1. Quit smoking if you desire cheaper individual health insurance. Smokers are more likely to die untimely and are also more likely to suffer many harmful diseases.

If smoking causes specific health problems, then it makes an individual a high risk and that calls for higher rates. Once you quit smoking for up to twelve months tell your current insurer or reapply to some other insurer and you will see a considerable drop in your premium.

2. That extra weight is costing you more in health insurance. Your BMI or Body Mass Index is a very important factor used to calculate your risk to an insurer.

If your BMI rating is high, your premium will be high. When your Body Mass Index rating is high it simply means that your weight is too much for your height. And don't think that you will get savings only when you lose 50 pounds, just losing a few pounds will get you lower rates once it alters your BMI rating.

3. Using tobacco in any form will add to your rates. People who snuff or chew tobacco will also get higher rates than individuals who don't

Steering off all tobacco products will help you get more affordable individual health insurance.

4. A bad driving record can make you pay expensive health insurance rates. Rough driving charges and other traffic offences can effectively add to your health insurance premium. An individual who drives roughly might make a claim soon as they are more likely to need medical attention.

You will lower your costs if you develop a the right attitude behind wheels. Sports cars and super bikes will increase your premium since they make you a bad risk. This is because they will more easily make you need medical attention because they have a higher risk of accidents.
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