Low Cost Individual Health Insurance -- Things That Will Guarantee It

To what extent have you gone in positioning yourself to get very affordable individual health insurance rates? Have you restricted yourself to a few tips that your friends shared with you a years ago? Are you really certain you've looked at all the steps there are to take to save considerably? I've got many more proven tips here...

1. There are state plans for little children that will save you much if you use them for your children. There are normally eligibility requirements.

But check if you are qualified as this will cost you nothing or very little in most cases. These state plans for children will save you a ton of cash if you have a child with a special ailment when compared to what you'd spend if you buy traditional health insurance.

2. Even though most individuals know that smoking adds to their individual health insurance rates, they may not know that this also applies if they use other tobacco products. Those who snuff or chew tobacco will also get higher rates than individuals who don't

Staying clear of all tobacco products will help you get cheaper health insurance.

3. Using free clinics will help you reduce your spend. These free clinics will cater for simple things like providing you with medical advice, blood pressure checks and much more. Some communities provide such facilities and some may just be part of a group's social responsibility program.

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

The higher an individual's BMI rating, the more expensive their premium will be. When your Body Mass Index rating is high it simply means that your weight is too much for your height. Now do not wait until when you can lose thirty pounds because dropping as little as 5 pounds can drop you into a lower BMI rating which will result in more affordable rates.

5. Buying your prescriptions online is a proven way to bring down your health care costs. You can also get affordable prices if you buy by phone. The internet reduces the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at cheaper prices. But if you choose to buy online try to find out a little about whom you are buying from because there are wolves online. It's quite easy to verify by checking a resource like BBB.

This is quite very important as you won't want to endanger your life all in the name of trying to save money. Checking with BBB online and other such services will put you on the safe side while you buy at more affordable prices online.

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