Low Cost Individual Health Insurance -- Proven Steps That Bring About More Affordable Rates

Have you succeeded in your bid to reduce your individual health insurance costs? Did you simply give up after using the few tips you learnt then? Are you quite sure you've looked at all the steps there are to take to massive savings? I've got many more time-tested tips here...

1. You'll save by having your children insured through state plans. Howbeit, not everyone is eligible to use such state plans.

These plans are usually either free or almost free. These plans can reduce your expenses by a huge margin if your child has a special ailment that will cost you much if you insure them with private insurance providers.

2. The use of tobacco in any form will add to your individual health insurance rates. For instance, you will get a more expensive rate if you chew or snuff tobacco.

So for your health and less expensive rates, quit using any tobacco product.

3. You can bring down your spend by taking advantage of free clinics. They will either bring down your co-payments or premium as a whole. Such free clinics will cater for simple things like giving you medical advice, blood pressure checks etc. Clinics like these are generally some form of community service.

4. Overweight people pay far higher individual health insurance rates than those with normal weights. There's something called Body Mass Index (BMI). It is used to determine a prospect's rates.

The higher an individual's Body Mass Index rating, the more expensive their rates will be. Your weight is too much for your height and sex if your BMI is high. Now do not postpone it for when you can lose 30 pounds because losing five pounds can drop you into a lower Body Mass Index rating which will result in more affordable rates.

5. You can lower your rates by buying prescriptions online. You can as well get lower prices if you buy by phone. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. But to ensure you're buying from the right company, check. It's quite easy to verify by using a resource like BBB.

This is quite very important as you don't want to risk your life all in the name of trying to save money.

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