Cheaper Individual Health Insurance -- Suggestions For Lower Rates

You'll be amazed to learn that close to twenty percent of all American don't have health insurance of any type. This information can be trusted because it was released from the American Census Bureau. In addition, a a lot of individuals who have any form of coverage are able to afford it only because of group health plans.

This, unfortunately, may soon history as many business owners might soon exclude group health insurance from their employment allowance since they are becoming quite a strain on their businesses. This situation is a fall-out of the high cost of health care.

This implies that for most individuals to have any form of health insurance, they would have to fend for themselves. This means that, it will be an advantage for such individuals if they can learn ways of reducing such health insurance cost remarkably.. let us see distinct steps to bring down your individual health insurance costs.

1. Smokers get individual health insurance rates that are twice or more that of persons who do not smoke. It's not debatable that smoking is the highest known cause of cancer and other killer diseases.

It costs insurance carriers much more to give health insurance to smokers because of their high risk. Once you stop smoking for about twelve months inform your present insurer or reapply to some other insurer and you will experience a remarkable reduction in your premium.

2. That extra weight will make you spend a lot in health insurance. An insured's Body Mass Index (BMI) is a strong factor that determines how much a person pays as rate.

A high Body Mass Index will always get a high rate all other things being equal. The more overweight you are for your height and sex the higher your Body Mass Index rating will be. Do your best to shed excess weight since dropping just a few pounds could put you in another Body Mass Index rating which means lower premiums.

3. Using tobacco in any form will increase your rates. For instance, you will pay a more expensive premium if you chew or snuff tobacco.

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

4. A bad driving record can make you pay expensive health insurance rates. Being found guilty of traffic offences is not only bad for your auto insurance rate it also has an effect on your health insurance rates. An individual who drives recklessly will more likely make a claim soon as they're more likely to need medical attention.

You will lower your costs if you cultivate a better culture behind wheels. Sports cars and super bikes will increase your premium since they make you a higher risk. This is because they are more likely to make you need medical attention due to their higher risk of accidents.
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