Cheaper Individual Medical Insurance -- Advice For Lower Rates

A report confirms that less than two out of every ten Americans have health insurance coverage of any kind. This is what the U.S Census Bureau says. Moreover, a many of individuals who have any kind of coverage are able to pay for it just because of group health plans.

This is a big concern as this means that a larger number of Americans might not have health on account of the withdrawal of group health insurance by many businesses. The rising cost of health care is responsible for this situation.

This suggests that for most people to have any type of health insurance, they would have to provide for themselves. And since it will really cost so much to buy individual health insurance, steps to savings on health insurance would be helpful.. Hopefully, this write -up will make you know time-tested ways to save on health insurance...

1. Quit smoking if you plan to get more affordable individual health insurance. It is a sure fact that smokers are vulnerable to many health conditions and that they also die young.

If smoking results to certain health conditions, then it makes an individual a high risk and that calls for higher rates. It is up to you to stop smoking and then apply again after 12 months if your desire is to see your rates reduced by 50%.

2. Shed excess weight and your premium will reduce. An insured's Body Mass Index (BMI) is a serious factor that affects how much an individual pays as rate.

A high Body Mass Index will always result in a high premium all other things being equal. You're overweight for your height and sex if your BMI is high. Put more effort into shedding excess weight because dropping as little as a few pounds could put you in another Body Mass Index rating which means lower rates.

3. The use of tobacco in any form will add to your rates. For example, you'll attract a higher rate if you chew or snuff tobacco.

Steering clear of all tobacco products will result in more affordable individual health insurance.

4. Believe it or not, your driving culture can affect your health insurance rates negatively. Rough driving charges and other traffic offences can effectively increase your health insurance premium. Any person who drives recklessly will more likely make a claim shortly as they're more likely to need medical attention.

You'll lower your costs if you develop a better culture behind wheels. Fast muscle cars and super bikes will increase your rates since they make you a higher risk. The plain reason remains that you raise the chances that you'll make claims soon.
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