Cheaper Individual Health Insurance: Tips For Better Quotes

17 percent of all Americans do not have any form of health insurance. This information can be relieable because it comes from the American Census Bureau. And this could have been worse knowing that it was group health plans that have made health insurance possible for most of those who have it.

This is a serious concern as this suggests that a larger number of Americans would be without health on account of the withdrawal of group health insurance by many employers. Health care cost is increasing and not many of them can really keep up with such additional financial strain.

This suggests that for most persons to have any type of health insurance, they'd have to provide for themselves. This means that, it will be a great help for such people if they can learn ways of lowering such health insurance cost considerably.. I'll uncover some ways that will help you bring down your health insurance costs...

1. Smokers get individual health insurance rates that are twice or more that of individuals who don't smoke. It is not a hidden fact that smoking is the topmost cause of cancer and other killer diseases.

If smoking causes some kinds of health conditions, then it makes an individual a high risk and that calls for higher rates. It is within your power to quit smoking and then re-apply after 12 months if your desire is to see your rates brought low by up to fifty percent.

2. That extra weight will make you spend a lot in health insurance. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

If your Body Mass Index rating is high, your premium will be expensive. If your BMI rating is high it shows that your weight is too much for your height. Put more effort into shedding excess weight because dropping just a few pounds could put you in another BMI rating and result in more affordable premiums.

3. It is now clearly known that smoking will attract higher rates. What some might not know is that the same also applies if you use any other form of tobacco product. Chewing or snuffing tobacco, for instance will cost you in higher premiums.

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

4. If you drive recklessly then be prepared to pay higher health insurance rates. Speeding tickets and other traffic offences can seriously increase your health insurance premium. This is because you'll make yourself a greater risk to your insurer.

You will lower your costs if you cultivate a the right attitude behind wheels. Super-fast automobiles like fast muscle cars and super bikes will make you pay a more expensive health insurance rate. The higher probability of an accident means someone could be wounded and require to make a claim.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!