Affordable Individual Health Care Insurance - Advice For Better Rates

Seventeen percent of the American population doesn't have any form of health insurance. This is what the U.S Census Bureau reports. And this would have been worse if not for group health plans that have made health insurance possible for a good portion of those who have it.

This, regrettably, may soon change as many businesses might soon start withdrawing group health insurance from their employment packages since they are becoming quite tasking on their businesses. The rising cost of health care is the reason for this situation.

The only way left for those who would want to have a health insurance coverage is to buy individual health insurance. And since it will really cost so much to have individual health insurance, steps to savings on health insurance would be helpful.. Let's see proven tips to lower your individual health insurance rate.

1. Smokers get individual health insurance rates that are double or more that of individuals who do not smoke. It's a sure truth that smokers are vulnerable to various health conditions and that they don't live long.

If smoking results to specific health conditions, then it makes a person a high risk and that attracts higher rates. It's within your power to quit smoking and then apply again after twelve months if you want to see your premium reduced by up to 50%.

2. Overweight people attract far more expensive rates than individuals with normal weights. There's something called Body Mass Index (BMI). It is used to determine a prospect's rates.

A high Body Mass Index will always attract an expensive rate all other things being equal. The more extra weight you have for your height and sex the higher your BMI rating will be. Now do not wait until when you can lose thirty pounds since dropping as little as five pounds can drop you into a lower Body Mass Index rating which will result in cheaper rates.

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

Staying off all tobacco products will result in more affordable individual health insurance.

4. Take it or not, the way you drive can affect your health insurance rates negatively. Being found guilty of traffic violation isn't only bad for your auto insurance rate it also has an effect on your health insurance premium. Any person who drives recklessly will more likely make a claim shortly as they are more likely to require medical attention.

You will lower your rates if you develop a better culture behind wheels. Sports cars and super bikes will increase your rates since they make you a higher risk. The plain reason remains that you increase the probability that you'll make claims soon.
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