Low Cost Individual Health Insurance -- Proven Steps That Guarantee Better Rates

Have you succeeded in your bid to bring down your individual health insurance costs? Did you simply stop at the few recommendations you got years ago? Won't you like to learn more if that will mean saving even much more? Then see if you've thought of these...

1. There are state plans for kids that will reduce your expenses if you use them for your kids. There are normally criteria for eligiblity.

They will either be totally free or close to that so check to see if you are eligible. These state plans for kids will save you a lot of cash if you have a child with a special health condition when compared to what you'd spend if you go for regular health insurance.

2. The use of tobacco in any form will add to your individual health insurance rates. For instance, you will attract a higher premium if you chew or snuff tobacco.

Therefore, for your health and less expensive rates, stop using any tobacco product.

3. Go for free clinics if you intend to reduce your spend. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks and much more. These clinics could be run by a community or as a form of community service by an organization.

4. That extra weight is costing you more in health insurance. An insured's Body Mass Index (BMI) is a serious factor that determines how much a person pays as rate.

If your BMI rating is high, your premium will be high. The more extra weight you have for your height and sex the higher your BMI rating will be. And don't think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will get you lower rates once it alters your Body Mass Index rating.

5. You can lower your costs by buying prescriptions online. You can also get cheaper prices if you buy by phone. Companies who sell through the internet have lower costs than brick and mortar businesses and this suggests that they can and (do sell) at lower prices. But if you choose to buy online try to find out a little about whom you're buying from because there are wolves online. It is quite easy to verify by making use of a resource like BBB.

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

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