Low Cost Individual Health Insurance -- Surefire Steps That Attract Lower Rates

To what extent have you gone in positioning yourself to attract very affordable individual health insurance rates? Did you just stop at the few recommendations you got years ago? Won't you love to get more tips if that will translate to saving even much more? I've got a few more guaranteed tips here...

1. You can have your kids insured through state plans if you need to lower your spend. There are criteria that must be met before you are considered eligible.

They will either be totally free or require very little payment so check to see if you're qualified. These plans can reduce your expenses by a huge margin if your child has a special illness that will make you spend much if you insure them with traditional insurance providers.

2. Although a good number of individuals are aware that smoking increases their individual health insurance rates, they may not know that this also applies if they use other tobacco products. Individuals who snuff or chew tobacco will also attract higher rates than individuals who don't

So for your wellbeing and lower rates, stop using any tobacco product.

3. You can lower your costs by using free clinics. You can get professional medical advice, blood pressure checks and and other medical service at such free clinics. These clinics could be run by a community or rendered as community service by an organization.

4. Reduce you weight and your individual health insurance rates will be lower. An insured's Body Mass Index (BMI) is a strong factor that affects how much a person pays as rate.

The higher an individual's Body Mass Index rating, the more expensive their rates will be. The more extra weight you have for your height and sex the higher your BMI rating will be. Put more effort into shedding excess weight because dropping just a few pounds could put you in another BMI rating and result in cheaper rates.

5. Buying your prescriptions online is a sure way to bring down your health care spend. Buying by telephone might as well get you lower prices. Companies who sell online have lower outlays than brick and mortar businesses and this implies that they can and (do sell) at lower prices. However, you'll do well to check the company you're buying from so you don't put yourself at risk. It's very easy to do this by using a resource like BBB.

While we want to lower our health care costs we also need to ensure that we safeguard our health. If you verify whom you buy from you will save much while getting the best.

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