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

How well have you done in your quest to lower your individual health insurance rate? Have you restricted yourself to just recommendations that you got a years ago? Won't you like to get more tips considering that will mean more massive savings? I've got some more time-tested tips here...

1. You'll save by insuring your children through state plans. However, not everyone can benefit from such state plans.

They'll either cost you nothing or close to that so check to see if you're qualified. If you have a child with a special health condition, you will save much if you insure such a child through a state plan.

2. Even though many people have realized that smoking adds to their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. For instance, you'll attract a more expensive rate if you chew or snuff tobacco.

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

3. Take advantage of free clinics if you want to reduce your spend. These free clinics will take care of simple things like providing you with medical advice, blood pressure checks etc. These clinics could be operated by a community or as a form of community service by an organization.

4. Shed excess weight and your individual health insurance rates will be lower. Your BMI or Body Mass Index is a very important factor used to calculate your risk to a health insurance carrier.

The higher an individual's Body Mass Index rating, the higher their rates will be. You're overweight for your height and sex if your BMI is high. Now don't postpone it for when you can lose 30 pounds because losing as little as five pounds can reduce your Body Mass Index rating which will result in more affordable rates.

5. You can lower your costs by buying prescriptions on the internet. You can as well get cheaper prices if you buy by phone. Drugs are cheaper online because the cost of running a business is remarkably lower with the internet. But to ensure you're buying from a good company, check. Organizations like BBB can tell you if a company should be trusted or not so do not fail to check.

While we want to lower our health care costs we also have to make sure we safeguard our lives. If you do a good check you will save much while getting the best.

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