Cheap Individual Health Care Insurance: Advice For Lower Rates

A study shows that less than 2 out of every 10 Americans have health insurance coverage of any class. This is what the American Census Bureau reports. And this could have been worse if not for group health plans that have made health insurance possible for the majority of people who have it.

This, unfortunately, may soon be a thing of the past as many employers might soon start withdrawing group health insurance from their employment packages because they are becoming quite a strain on their businesses. Health care cost is rising and not many of them can really remain profitable with such additional financial strain.

Consequently, if most of those who currently enjoy group health plans are to continue having health insurance, then they'd have to buy individual health insurance plans. And because it will naturally cost a lot more to have individual health insurance, savings tips on health insurance would be seriously appreciated.. It is my belief that this write -up will show you proven ways to save on health insurance...

1. Smoking will cost you very high individual health insurance rates. Smokers are more prone to die young and are also more likely to have many harmful diseases.

If smoking leads to specific health conditions, then it makes a person a high risk and that attracts higher rates. Once you quit smoking for about twelve months tell your present insurer or reapply to another insurer and you'll experience a dramatic reduction in your rates.

2. People with excess weight pay far more expensive rates than individuals with normal weights. There is something called Body Mass Index (BMI). It is used to calculate a prospect's premium.

The higher a person's BMI rating, the more expensive their premium will be. You're overweight for your height and sex if your BMI is high. And do not think that you will get savings only when you lose fifty pounds, just losing a few pounds will lower your rates provided it alters your BMI rating.

3. It is now commonly known that smoking will attract higher rates. What many might not know is that the same also applies if you use any other type of tobacco product. Individuals who snuff or chew tobacco will also pay higher rates than people who don't

So, you'll help yourself attract lower individual health insurance rates if you stay away from tobacco use in any form.

4. Take it or not, your driving culture can affect your health insurance rates negatively. Speeding tickets and other traffic offences can effectively add to your health insurance premium. Any person who drives recklessly will more likely make a claim shortly as they are more likely to need medical attention.

Therefore, good driving doesn't only help your auto insurance, it also helps you get cheap rates in health insurance. Fast muscle cars and power bikes will raise your rates because they make you a higher risk. This is because they are more likely to make you need medical attention due to their higher risk of accidents.
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