Cheap Individual Health Care Insurance -- Recommendations For Better Quotes

You will be astonished to learn that close to twenty percent of all U.S citizens are without health insurance of any kind. This is what the American Census Bureau reports. And this would have been worse if not for group health plans that have made health insurance cheap enough for most of those who have it.

This raises a big concern as this means that many Americans might not have health due to the withdrawal of group health insurance by many businesses. Health care cost is rising and not many of them can simply remain profitable with the obligation.

This implies that for most individuals to have any form of health insurance, they'd have to provide for themselves. This means that, it will be an advantage for such people if they can be shown ways of lowering such health insurance cost considerably.. I'll uncover a number of ways that will help you reduce your health insurance premium...

1. Smokers have individual health insurance rates that are double or more that of people who don't smoke. It is a well known fact that smokers are liable to various health conditions and that they don't live long.

This raises their risk to an insurer and so increases their rates dramatically. It's within your power to stop smoking and then apply again after twelve months if you want to see your rates reduced by fifty percent.

2. People with excess weight pay far higher rates than those with normal weights. There is something known as Body Mass Index (BMI) which is used to determine a prospect's premium.

If your Body Mass Index rating is high, your rates will be expensive. Your weight is too much for your height and sex if your Body Mass Index is high. 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 lowers your Body Mass Index rating.

3. It is now clearly known that smoking will attract higher rates. What some might not appreciate is that the same also applies if you use any other type of tobacco product. For instance, you will attract a more expensive rate if you chew or snuff tobacco.

Therefore, for your health and cheaper individual health insurance rates, stop using any tobacco product.

4. A bad driving record can make you pay higher health insurance rates. If you have many speeding tickets or a history of street racing you will spend much more. This is because you'll make yourself a greater risk to your health insurance provider.

You will lower your rates if you develop a better culture behind wheels. If you use a sports car or super bike, you'll likely pay a huge sum for health insurance. This is because they will more easily cause you injuries because they have a higher risk of accidents.
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