Low Cost Individual Health Care Insurance - Recommendations For Better Rates

Seventeen percent of the American population does not have any form of health insurance. This is what the American Census Bureau says. It is crucial to note that group health plans are the reason why a high pecentage of these few who have health insurance can afford it.

However, the number of Americans without health insurance may likely rise the reason being that most people are finding it too burdensome to provide their staff with health care benefits. This situation is because of the high cost of health care.

The only option for those who would like to maintain a health insurance coverage would be to get individual health insurance. And since it will really cost so much to get individual health insurance, steps to savings on health insurance would be seriously appreciated.. It is my hope that this write -up will teach you sure-fire ways to save on health insurance...

1. Stop smoking if you plan to get more affordable individual health insurance. It's a well known truth that smokers are susceptible to various health conditions and that they also die young.

If smoking leads to specific health conditions, then it makes an individual a high risk and that calls for higher rates. It is up to you to abstain from smoking and then re-apply after twelve months if your desire is to see your rates brought low by 50%.

2. That extra weight will make you spend more in health insurance. An insured's Body Mass Index (BMI) is a serious factor that affects how much a person pays as rate.

The higher an individual's Body Mass Index rating, the more expensive their premium will be. Your weight is too much for your height and sex if your BMI is high. Do your best to shed excess weight because losing as little as a few pounds could give you another BMI rating and result in lower rates.

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

So, you'll help yourself attract cheaper individual health insurance rates if you stay away from tobacco use in any form.

4. Believe it or not, your driving culture can have a negetive effect on your health insurance rate. Rough driving charges and other traffic offences can effectively increase your health insurance premium. This is because you'll make yourself a bigger risk to your insurer.

Hence, driving better doesn't only save you much in your auto insurance, it also helps you get lower rates in health insurance. If you use a fast muscle car or power bike, you will likely pay much more for health insurance. The higher probability of a crash means someone could be wounded and have to make a claim.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!