Low Cost Individual Health Insurance -- Tested Recommendations That Attract Lower Rates

How well have you done in your quest to bring down your individual health insurance rate? Have you limited yourself to just tips that you got a long time ago? Are you really certain you've learnt all the ways there are to save considerably? Then check if you've applied the following...

1. You will save by having your kids insured through state plans. Nevertheless, not everyone is eligible to use these plans.

These plans are often either free or cost very little. These state plans for children will save you a ton of cash if you have a child with a special health condition when compared to what you would pay if you go for traditional health insurance.

2. It is now commonly known that smoking causes higher individual health insurance rates. What people might not understand is that this is also true if you use any other type of tobacco product. For instance, you'll pay a higher rate if you chew or snuff tobacco.

Staying off all tobacco products will attract more affordable health insurance.

3. You can reduce your spend by taking advantage of free clinics. You can get professional medical advice, blood pressure checks and much more at such free clinics. Clinics like these are usually some form of community service.

4. Shed excess weight and your individual health insurance premium will drop. Your BMI or Body Mass Index is a very important factor used to calculate your risk to an insurer.

A high Body Mass Index will always attract a high rate all other things being equal. Your weight is too much for your height and sex if your BMI is high. Now do not postpone it for when you can lose 30 pounds since shedding as little as five pounds can reduce your Body Mass Index rating which leads to more affordable rates.

5. Buying your prescriptions online is a proven way to reduce your health care costs. You can also get cheaper prices if you buy by phone. Drugs are cheaper online because the cost of doing business is considerably cheaper with the internet. However, you'll do well to check the company you are buying from so you don't endanger yourself. It is quite easy to do this by making use of a resource like BBB.

This is really very important as you won't want to endanger your life all in the name of making savings.

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