Cheaper Individual Medical Insurance - Suggestions For Lower Rates

A study reveals that not up to 2 out of every ten Americans have health insurance coverage of any kind. This is what the American Census Bureau reports. Moreover, a a lot of individuals who have any type of coverage can afford it just because of group health plans.

However, the sum of Americans without health insurance may probably increase due to the fact that most people are finding it too burdensome to give their employees health care benefits. Health care cost is increasing and a few of them can simply remain profitable with the obligation.

The only option for those who would want to maintain a health insurance coverage is to buy individual health insurance. And, it will be an advantage for such individuals if they can find ways of reducing such health insurance cost remarkably.. I'll share a number of ways that will help you reduce your health insurance costs...

1. Stop smoking if you want inexpensive individual health insurance. It's a sure truth that smokers are vulnerable to various health conditions and that they also die young.

If smoking causes certain health problems, then it makes a person a high risk and that attracts higher rates. If you can quit smoking you will get rates that are considerably cheaper when you reapply after twelve months.

2. That extra weight will make you spend more in health insurance. Your BMI or Body Mass Index is a very useful factor used to calculate your risk to a health insurance carrier.

A high Body Mass Index will always get a high rate all other things being equal. When your BMI rating is high it simply means that your weight is too much for your height. Now do not postpone it for when you can lose thirty pounds because losing 5 pounds can reduce your Body Mass Index rating which will result in lower rates.

3. It is now commonly understood that smoking will attract higher rates. What some might not understand is that the same also applies if you use any other type of tobacco product. For example, you will pay a higher rate if you chew or snuff tobacco.

Therefore, for your health and lower individual health insurance rates, quit using any tobacco product.

4. Take it or not, the way you drive can have a negetive effect on your health insurance rate. If you have many speeding tickets or a record of street racing you will pay much more. The simple reason is that if you're such a driver, you'll most likely require medical attention for crash related injuries than a very cautious driver.

Improving your driving records and developing a good driving culture will lower your premium. Fast muscle cars and power bikes will raise your rates since they make you a bad risk. The higher likelihood of a crash means you could be wounded and have to make a claim.
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