Cheaper Individual Medical Insurance - Recommendations For Better Quotes

A report shows that not up to 2 out of every ten Americans have health insurance coverage of any type. This report can be relieable because it is from the American Census Bureau. It is necessary to note that group health plans are the reason why a high pecentage of these few who have health insurance can afford it.

In spite of this, the number of Americans without health insurance may likely multiply due to the fact that most people are finding it too costly to provide their staff with health care benefits. This development is due to the rising cost of health care.

The only way left for those who would want to maintain a health insurance coverage would be to get individual health insurance. And because it will typically cost so much to buy individual health insurance, savings tips on health insurance would be helpful.. I will make you know some ways that will guarantee you reduce your health insurance rates...

1. Smokers get individual health insurance rates that are twice or more that of persons who don't smoke. It is a well known truth that smokers are prone to various health conditions and that they don't live long.

It costs insurance carriers a lot more to provide health insurance to smokers due to the bad risk they are to them. It's within your power to abstain from smoking and then apply again after 12 months if your desire is to see your rates brought low by up to 50 percent.

2. Reduce you weight and your rates will drop. An insured's Body Mass Index (BMI) is an important factor that determines what an individual pays as rate.

A high BMI will always result in an expensive rate all other things being equal. When your Body Mass Index rating is high it shows that your weight is too much for your height. And don't think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will lower your rates provided it lowers your Body Mass Index rating.

3. It is now commonly known that smoking causes higher rates. What many might not understand is that this is also true if you use any other form of tobacco product. Chewing or snuffing tobacco, for example will cost you in higher rates.

Therefore, for your wellbeing and cheaper individual health insurance rates, stop using any tobacco product.

4. Take it or not, the way you drive can have a negetive effect on your health insurance rate. Being found guilty of traffic violation isn't just bad for your auto insurance rate it also has an effect on your health insurance rates. The simple reason is that if you're such a driver, you will more probably require medical attention for crash related injuries than a very careful driver.

Hence, driving better does not only help your auto insurance, it also helps you get lower rates in health insurance. Extra powerful automobiles like sports cars and super bikes will make you pay a higher health insurance premium. The plain reason remains that you raise the probability that you will make claims soon.
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