Cheaper Individual Health Insurance - Advice For Lower Quotes

17 percent of all Americans don't have any type of health insurance. This is what the American Census Bureau reports. In addition, a many of those who have any type of coverage can afford it only because of group health plans.

This poses a serious concern as this suggests that a larger number of Americans might be without health on account of the withdrawal of group health insurance by many people. Health care cost is rising and not many of them can simply remain profitable with such additional financial strain.

The only option for those who would want to keep to a health insurance coverage is to buy individual health insurance. And since it will really cost so much to get individual health insurance, savings tips on health insurance would be seriously appreciated.. Let's see distinct ways you can reduce your individual health insurance premium.

1. Smokers attract individual health insurance rates that are double or more that of people who don't smoke. It is a well known truth that smokers are susceptible to many health conditions and that they don't live long.

It costs health insurance carriers much more to give health insurance to smokers because of their high risk. Once you quit smoking for about 12 months inform your current insurer or reapply to some other insurer and you'll experience a dramatic reduction in your premium.

2. Overweight people pay far higher rates than people with normal weights. An insured's Body Mass Index (BMI) is a strong factor that affects how much an individual pays as rate.

A high Body Mass Index will always attract an expensive rate all other things being equal. You're overweight for your height and sex if your BMI is high. Now don't wait until when you can lose thirty pounds because losing five pounds can reduce your BMI rating which will result in more affordable rates.

3. Using tobacco in any form will add to your rates. Chewing or snuffing tobacco, for example will cost you in higher premiums.

Therefore, you will help yourself get less expensive individual health insurance rates if you stay away from tobacco use in any form.

4. A poor driving history can make you pay higher health insurance rates. If you have many charges on rough driving or a record of street racing you will spend much more. Any person who drives recklessly will more likely make a claim soon as they're more likely to require medical attention.

You will reduce your rates if you develop a better culture behind wheels. Super-fast automobiles like fast muscle cars and super bikes will attract a higher health insurance rate. The plain reason remains that you increase the chances that you'll make claims soon.
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