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

Have you succeeded in your quest to cut your individual health insurance rate? Did you just stop at the few tips you learnt years ago? Are you quite certain you've learnt all the steps there are to take to massive savings? Then check if you've applied these tips...

1. There are state plans for kids that will save you much if you get them for your children. There are conditions that must be met before you are considered eligible.

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

2. Even though most people know that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. For example, you'll attract a higher rate if you chew or snuff tobacco.

Steering clear of all tobacco products will result in less expense in health insurance.

3. Using free clinics will help you bring down your spend. They will either bring down your co-payments or rate entirely. Such free clinics will take care of simple things like providing you with medical advice, blood pressure checks and much more. These clinics could be operated by a community or as a form of community service by an organization.

4. People with excess weight pay far more expensive individual health insurance rates than people with normal weights. Your BMI or Body Mass Index is a very important factor used to define your risk to an insurer.

A high Body Mass Index will always get 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 since losing as little as a few pounds could give you another Body Mass Index rating and result in cheaper rates.

5. You will spend far less and reduce your costs if you buy your prescriptions online. Buying by telephone will also get you lower prices. The internet lowers the cost of doing business and pharmaceutical companies or groups who sell their drugs online do so at lower prices. But to ensure you are buying from a good company, check. It's very easy to be sure by using a resource like BBB.

Always remember that while we want to save costs we also want to stay safe. If you do a good check you'll save much while getting the best.

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