Affordable Individual Health Care Insurance - Advice For Better Quotes

A report reveals that not up to two out of every 10 Americans have health insurance coverage of any class. This information can be trusted because it was released from the U.S Census Bureau. In addition, a many of people who have any kind of coverage are able to afford it only because of group health plans.

In spite of this, the number of Americans not having health insurance may likely rise because most people are finding it too tasking to give their workers health care benefits. The rising cost of health care is the reason for this situation.

Consequently, if most people who are still enjoying group health plans are to continiously have health insurance, then they'd have to look for individual health insurance plans. The importance, therefore, of knowing ways to get more affordable health insurance rates cannot be stressed enough. Let's see some tips to reduce your individual health insurance premium.

1. Smoking will make you pay expensive individual health insurance rates. Smokers are more prone to die at a tender age and are also more likely to contract many deadly diseases.

It costs insurance companies a lot more to provide health insurance to smokers because of their high risk. If you can abstain from smoking you'll get rates that are remarkably lower when you reapply after 12 months.

2. Reduce you weight and your premium will be lower. Your BMI or Body Mass Index is a very serious factor used to define your risk to a health insurance carrier.

A high BMI will always attract an expensive premium all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. Now don't wait until when you can lose thirty pounds because dropping as little as 5 pounds can drop you into a lower Body Mass Index rating which leads to cheaper rates.

3. Despite the fact that a good number of people have realized that smoking increases their rates, they may not know that the same is also true if they use other tobacco products. For example, you will pay a more expensive premium if you chew or snuff tobacco.

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

4. If you drive recklessly then be prepared to pay expensive health insurance rates. If you have many speeding tickets or a history of street racing you'll pay much more. This is because you will become a greater risk to your insurer.

Improving your driving records and developing a good driving habit will reduce your rates. Super-fast automobiles like sports cars and super bikes will attract a higher health insurance premium. The higher probability of an accident means someone could be injured and need to make a claim.
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